Is having a heart cathetor test considered pre existing condition?
Tests, of any kind, are not included in the definition of
preexisting condition. You have to be given a definitive diagnosis
from that testing in order to have a preexisting condition. If by
having a heart cath test, it was determined that you did not need
to have one placed, then you do not have a preexisting condition.
For example, you may have an MRI/CAT Scan and then a PET Scan to
determine if you have cancer, but if they find you do not have
cancer, then you are not diagnosed with a condition, therefore
cannot considered preexisting. I should add that, generally if a
Dr. wants to evaluate for a heart cath, then you currently have or
have had issues with your heart in the past. This may be something
like a high percentage blockage, irregular heart beat, thickening
of the lining around your heart, etc. This would be considered a
preexisting condition and future insurance companies may determine
that any intervention needed on your heart would be preexisting.
However, insurance companies usually have a preexisting time frame
(generally 12 or 24 months) in which a condition is no longer
consider preexisting. For example, if you were diagnosed with a
heart condition 13 months ago and the insurance company you are
planning on joining policy is a 12-month limit on pre-existing
conditions, then you are in the clear and the preexisting condition
clause does not apply to you.