Question

Lorraine was diagnosed with breast cancer in 2005 but has been cancer free since 2006. However, she still requires follow-up care. Lorraine secured a new job in 2012. Is her breast cancer follow-up care considered a preexisting condition? Why?

a) Yes
b) No

Answer 1

Typically, under the Affordable Care Act, Lorraine's follow-up care for breast cancer would not be considered a preexisting condition since the ACA prohibits such exclusions and she is working under a policy from 2012.

Step-by-step explanation:

The determination of whether Lorraine's breast cancer follow-up care is considered a preexisting condition depends on the health insurance policy and the regulations at the time she secured her job in 2012. Generally, under the Affordable Care Act (ACA) that became law in 2010, insurance companies are prohibited from denying coverage or charging higher premiums due to a preexisting condition. Since Lorraine's diagnosis was in 2005 and she has been cancer-free since 2006, and considering she took on the new job in 2012, her follow-up care would generally not be considered a preexisting condition when covered under plans that adhere to the ACA.