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A. Schuyler, NP
A. Schuyler, NP, Nurse Practitioner
Category: Health
Satisfied Customers: 16329
Experience:  Board Certified NP, MS, RN. 25 years private practice & hospitalist
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If ObamaCare abolished "Pre-Existing Conditions"-----then

Customer Question

If ObamaCare abolished "Pre-Existing Conditions"-----then How /why are Health Care Providers/Insurers allowed to ask "pre-existing Conditions" questions under the guise of "underwriting"?------And can they then refuse to cover applying Seniors based on their individual, undisclosed "guidelines", etc???
Submitted: 1 year ago.
Category: Health
Expert:  A. Schuyler, NP replied 1 year ago.


Companies may ask questions to help them with their internal statistics, or for use in reporting to the government. However, under the Affordable Care Act, they cannot reject an application or charge more for a pre-existing condition. I haven't seen it called "underwriting" since that term means to assess a person's health to decide whether to issue a policy at all, and what to charge or it if they do. Under the Affordable Care Act one cannot be rejected for a pre-existing condition and they cannot be charged more than a person without a pre-existing condition. Companies gather the data to see how many people with pre-existing conditions and the cost of insuring them versus the cost for insuring without a pre-existing condition. Premium prices for ALL individuals may then be adjusted upward for the next year to make sure all medical needs are covered.

Please let me know if you have questions.

Best regards,



Please let me know if you have questions.

Expert:  A. Schuyler, NP replied 1 year ago.

Did you have any questions about this?