A pre-existing condition is a significant health care condition that a person has prior to securing insurance coverage. Some examples may be asthma, heart disease and diabetes. When it comes to Medicare and pre-existing conditions, most people are likely to have coverage. Under the Affordable Care Act, there is no additional cost for pre-existing conditions. They will not impact anyone’s eligibility for Medicare.
In some situations, you may need to enroll in a Special Needs Program if your pre-existing condition qualifies. These programs typically provide coverage for chronic conditions, such as autoimmune disorders, cardiovascular disorders, liver disease, kidney disease and many others. This may allow you to receive additional services specific to your condition, such as extra days in the hospital. Check the full list of qualifying conditions to find out if this applies to you.