Does Blue Cross Blue Shield of Michigan cover pre-existing conditions?

Yes. Under the Affordable Care Act, health insurance companies can’t refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts.

Is there a waiting period for pre-existing conditions?

No. There are no waiting periods for medical plans, including for pre-existing conditions. When choosing a health plan, consider your medical needs.

Can insurance companies not pay for pre existing conditions?

One of the biggest factors that stops people from applying for life insurance or critical illness coverage is fear that a pre-existing condition may exclude them from coverage. Nothing could be further from the truth.

What is 12 month exclusion period?

The time period during which a health plan won’t pay for care relating to a pre-existing condition. Under a job-based plan, this cannot exceed 12 months for a regular enrollee or 18 months for a late-enrollee.

How do I appeal a Blue Cross Blue Shield of Michigan?

Once a service has been denied, members and providers must file an appeal with BCBSMI to have the request re-reviewed. Contact BCBSMI at 866-309-1719 or • Members requesting to appeal a denial for initial PAC services should contact BCBSMI.

Can I get medical insurance with a pre-existing condition?

A pre-existing condition is no longer a hindrance to attaining health insurance. It should not prevent you and your family from safeguarding your financial security; therefore, health insurance coverage for those with pre-existing diseases is certainly attainable.

Is high blood pressure a pre-existing condition for health insurance?

High blood pressure (also called hypertension) is a common pre-existing medical condition, and can be covered by your policy – but you need to meet the conditions below.