Starting my first job with healthcare and looks like all the options list their coverage prices up front. So what’s that I have always heard about pre existing condition and other drama?

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Hi. I’m in my early 20s so I’m new to all this. It looks like I can just decide on any health insurance option the government offers (I’m a federal employee). I’ve heard a lot historically about drama surrounding pre existing conditions or life style choices impacting premiums, but from my position looking in it looks like I can just buy it for the coverage listed without any sort of examination of my medical history. Am I missing something? Might this only be because I’m buying for the first time? Or because Im working for the government? Or does some sort of exam occur only after I select the plan I want?

submitted by /u/dreadpiratebanksy
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Hi. I’m in my early 20s so I’m new to all this. It looks like I can just decide on any health insurance option the government offers (I’m a federal employee). I’ve heard a lot historically about drama surrounding pre existing conditions or life style choices impacting premiums, but from my position looking in it looks like I can just buy it for the coverage listed without any sort of examination of my medical history. Am I missing something? Might this only be because I’m buying for the first time? Or because Im working for the government? Or does some sort of exam occur only after I select the plan I want?
submitted by /u/dreadpiratebanksy [link] [comments]Read Morer/HealthInsurance

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