Is Herpes Considered A Pre-Existing Condition?

Category: Herpes Info | 0 Comments


If you currently have herpes and are looking to buy health insurance, you do need to know that depending on the type, HSV-1 or HSV-2, a health provider may turn you down. Insurance companies have a list of what is considered pre-existing conditions, and they may down coverage because they feel it will cost more to cover you than they will make in premiums you pay. There are a number of different illnesses that make the list for coverage denial, and most of them will depend on severity. If you have been diagnosed with gential herpes, you may find it hard to get health insurance because many carriers do in fact consider that a pre-existing condition.

The fact is that 80-90% of Americans have oral herpes type HSV-1 and may not even know they have it. The problem remains dormant throughout their lives, and thus they never get tested for it. In these cases, your health insurance will likely not deny your coverage because you don’t even realize that you have a pre-existing condition. If you see no signs of breakout, they likely won’t question the results. Thus there are cases when you can have herpes and still have coverage. Genital herpes, or HSV-2, on the other hand is considered a pre-existing condition that needs to be stated when applying for health insurance and unfortunately, more often than not, insurance companies have been known to deny applications with applicants that have genital herpes.

If you get herpes while you have insurance, then the insurance provider will continue to cover you. The problems usually only occur when you have received the diagnosis before you apply for the insurance. There are exceptions for everything though, so you may very well find a provider that will work with your situation. This may be because your herpes is not severe or because you have gone through enough treatment to make medical costs at a minimal. You might not be able to get full coverage for your medical needs, but you should be able to work out something with your carrier.

So what are your options if you have genital herpes and want insurance? Fortunately, because you have herpes, you can still get health insurance. Insurance companies have what is called a rider, or an exclusion that will enable you to carry health insurance, but your insurance will not cover your pre-exisiting condition for 6 months or a pre-determined time which the contract states. Unless you rely heavily on antiviral medication, like Valtrex or Acyclovir, this time period is usually sufficient. Although, that’s not to say the Insurance company won’t deny you flat out for your pre-existing condition, it will completely depend on your full medical and medication history, rest assured there are many companies willing to accept you with the riders in place.

Related posts:

  1. Do I Need To Tell My New Insurance I Have Herpes
  2. Are Cold Sores Actually Herpes?
  3. What are the medications for Genital Herpes? Is Acyclovir or Valtrex Better?
  4. Social Stigma of Genital Herpes vs. Cold Sores

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