Classify them however you want, they have nothing to do with your eligibility for health insurance.
In fact, ACA health plans must enroll anyone who wants to enroll. They cannot decline an individual renewal. A premium can only be adjusted according to age and tobacco use. And they cannot charge old people more than three times what they charge young people.
They can’t deny claims based on anything in your previous history. They can’t use your history of medical conditions, history of implants, history of drug use, history of pregnancy, history of employment, history of not wearing seat belts, history of anything.
They can say, “We won’t pay for this MRI” or “We won’t pay for this drug”, but that would be true of everyone else on the same plan, regardless of whether they had an implant.
More typically, they say “We only pay for a certain number of MRIs per year” or “You have to get a cheap Xray instead of an expensive MRI” or “You have to try the cheap drug, if that doesn’t work then you can try the expensive one” or “We need to be notified 30 days prior to getting the drug, otherwise we won’t pay” or “You can only get the MRI at this other location, otherwise we won’t pay”.
None of this has to do with your medical history, though. They are simply annoying hoops that everyone has to jump through. And they can never, ever, say “We will pay for X only if you remove the implant, otherwise we won’t pay for X”. If they are paying for X for anyone else on her plan, then they have to pay for hers too.
Classify them however you want, they have nothing to do with your eligibility for health insurance.
In fact, ACA health plans must enroll anyone who wants to enroll. They cannot decline an individual renewal. A premium can only be adjusted according to age and tobacco use. And they cannot charge old people more than three times what they charge young people.
Sure, but insurance companies regularly deny claims for any reason they can find.
They can’t deny claims based on anything in your previous history. They can’t use your history of medical conditions, history of implants, history of drug use, history of pregnancy, history of employment, history of not wearing seat belts, history of anything.
They can say, “We won’t pay for this MRI” or “We won’t pay for this drug”, but that would be true of everyone else on the same plan, regardless of whether they had an implant.
More typically, they say “We only pay for a certain number of MRIs per year” or “You have to get a cheap Xray instead of an expensive MRI” or “You have to try the cheap drug, if that doesn’t work then you can try the expensive one” or “We need to be notified 30 days prior to getting the drug, otherwise we won’t pay” or “You can only get the MRI at this other location, otherwise we won’t pay”.
None of this has to do with your medical history, though. They are simply annoying hoops that everyone has to jump through. And they can never, ever, say “We will pay for X only if you remove the implant, otherwise we won’t pay for X”. If they are paying for X for anyone else on her plan, then they have to pay for hers too.