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Pre-Existing Conditions Insurance in Dallas-Fort Worth

Pre-existing conditions are medical conditions and health problems that you had before the start date of your health insurance coverage. Examples of pre-existing conditions include cancer, asthma, diabetes, and even pregnancy.

Under the Affordable Care Act (Obamacare), health insurance companies cannot refuse to cover you because of any pre-existing conditions nor can they charge you more money for coverage or subject you to a waiting period. These Obamacare rules affect plans that began on or after January 1, 2014.

Jon Nolan Insurance provides the most reliable pre-existing conditions insurance services in Dallas-Fort Worth. For more than 20 years, we have set the industry standard for insurance-related services to customers in Fort WorthDallas, ArlingtonFrisco, and dozens of other cities throughout our DFW service area. For more information, click here or give us a call at 469-382-4818.

Pre-Existing Conditions Insurance in Dallas-Fort Worth

What is a Pre-Existing Condition?

Just about any health condition that you have prior to the start of an insurance policy can qualify as a pre-existing condition. Make sure to check the exact details of a plan since each health insurance company decides what it considers a pre-existing condition. Even a more minor medical condition — like acne, tonsillitis, high blood pressure, or menstrual irregularities — could be deemed a health issue, depending on the provider.

According to the Kaiser Family Foundation, common examples of pre-existing conditions that affected coverage before the ACA are:

  • AIDS/HIV
  • Cancer
  • Cerebral palsy
  • Depression and other mental health disorders
  • Dementia and Alzheimer’s
  • Diabetes
  • Epilepsy
  • Gender dysphoria
  • Heart disease, coronary artery, bypass surgery
  • Hemophilia
  • Hepatitis C
  • Lupus
  • Obesity
  • Paraplegia
  • Paralysis
  • Pregnancy
  • Pending surgery or hospitalization
  • Sleep apnea
  • Stroke
Health condition

When Can a Pre-Existing Condition be Denied?

Health insurance plans that started on or before March 23, 2010 — called grandfathered plans — are not subject to the rules of Obamacare. If you enrolled in a health plan prior to this date, your insurer can choose to cancel your policy or increase your premiums for pre-existing medical conditions.

It is also possible for an employer to maintain and enroll new employees in a grandfathered plan under certain circumstances. An employer must notify you that it has a grandfathered plan. If your employer offers a grandfathered plan but you need coverage for a pre-existing condition, you can get a plan through the Obamacare marketplace.

Health insurance plans

Why Choose Jon Nolan Insurance as Your Insurance Provider in Dallas-Fort Worth?

At Jon Nolan Insurance, we specialize in helping seniors and baby boomers meet their insurance needs. Even if you have pre-existing conditions, we can find the best available Medicare policy or "under 65" healthcare coverage available. We also serve the self-employed and small business owners with their insurance needs. With our large portfolio of companies to choose from, we will find the perfect policy to meet your needs and your budget. For more information, call us today at 469-382-4818 or click here to make an appointment.

The benefits of working with Jon Nolan include:

  • Independent provider
  • Over 20 years in the health & financial services
  • Focus on Medicare & "under 65" healthcare for families
  • Self-employed & Small Business Insurance Services
  • Includes life, dental & vision
  • Supplemental insurance like accident protection, cancer, critical illness & hospital indemnity

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