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Pre-existing condition : ウィキペディア英語版 | Pre-existing condition
In the context of healthcare in the United States, a pre-existing condition is a medical condition that started before a person's health insurance went into effect. Before 2014 some insurance policies would not cover expenses due to pre-existing conditions. These exclusions by the insurance industry were meant to cope with adverse selection by potential customers. Such exclusions are no longer allowed after January 1, 2014. == Definitions ==
The University of Pittsburgh Medical Center defines a pre-existing condition as a "medical condition that occurred before a program of health benefits went into effect."〔 J. James Rohack, president of the American Medical Association, has stated on a ''Fox News Sunday'' interview that exclusions, based upon these conditions, function as a form of "rationing" of health care.〔 Conditions can be broken down into two further categories, according to Lisa Smith of Investopedia:〔 Which definition may be used is sometimes regulated by state laws. Some states require insurance companies to use the objective standard, while others require the prudent person standard. Currently, 10 states do not specify either definition, 21 require the "prudent person" standard, and 18 require the "objective" standard.〔
抄文引用元・出典: フリー百科事典『 ウィキペディア(Wikipedia)』 ■ウィキペディアで「Pre-existing condition」の詳細全文を読む
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