The debate whether insurance companies claim herpes is a pre-existing condition is a long an divided one. A pre-existing condition is defined as a medical condition that existed before you obtained health insurance. Depending on the insurance company, the period for a condition not to be included as a pre-existing condition is a condition that you have NOT sought medical treatment for 3-5 years prior to obtaining new insurance. The fact is, different insurance companies have different rules towards it. Some claim it’s a pre-existing condition and others don’t. One of the major problems of people suffering from sexually transmitted diseases such as herpes is that they do not only suffer from the physical effects of the disease; but that herpes patients also suffer from the social stigma associated from this disease. Take note that the sexually transmitted having the second highest stigma is herpes, with HIV being at the top. In this case, it is more probable than not that patients suffering from herpes are reluctant to talk about it, or even to discuss it with professional medical authorities. Whenever one applies for health insurance, but suffers from herpes, the person usually thinks twice before declaring that he or she suffers from herpes. With most people even afraid to discuss their disease with their own parents and family doctors, it is much more possible that those persons may actually not declare that they suffer from this sexually transmitted disease. What they do not know is that not declaring any disease suffering from, especially when getting health insurance, usually has large complications for patients.
Unless your coverage comes from a group plan, typically through your work, one of the major steps that a person must go through before being successfully able to get his or her health insurance policy is through undergoing a comprehensive and complete medical exam. In this case, even when one does not declare that he or she suffers from herpes, they will undergo a comprehensive physical exam, and naturally, the insurance company will also find out that one suffers from the disease.
If your insurance company claims your herpes diagnose is a pre-existing condition, they may not cover any herpes related conditions for a period of 6 to 18 months on a new policy, which the insurance company calls an affiliation period. Some insurance companies may cover you, but charge a higher premium. One of the major reasons why people often thinks twice to declare that they suffer from herpes is because of the possible implications involved, especially in its effect to their respective policies. In this case, it is important for those people to realize that the insurance company may drop your coverage or deny any claims for not declaring a pre-existing condition.
The bottom line is, when it comes to herpes and whether your insurance company declares it a pre-existing condition depends on a variety of factors. What state you’re in, whether your in a group coverage, and what type of treatment you’ve sought prior to a new plan all weigh in. It is however important that you’re upfront with your insurance company so that they don’t drop, or deny any coverage, and tell them the truth when it comes to your health.