The Preexisting Condition Clause in Health Insurance

question 40

Multiple Choice

The preexisting condition clause in health insurance:

• A) makes a preexisting insurance contract pay for prior medical conditions
• B) eliminates coverage for conditions that existed before the effective date of the current contract
• C) coordinates the payment of already existing conditions among multiple policies
• D) provides blanket coverage for preexisting conditions

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Definitions:

Oxygen Saturation

The fraction of oxygen-saturated hemoglobin relative to total hemoglobin in the blood, a key indicator of respiratory and circulatory efficiency.

Incentive Spirometer

A medical device used to help patients improve the functioning of their lungs and to prevent pulmonary complications after surgery.

ADLs

Activities of Daily Living; tasks that are necessary for personal care and independent living, such as eating, bathing, dressing, and mobility.

Impaired Memory

A reduction in the ability to remember or recall information, which can result from various conditions or aging processes.