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What is Considered a Pre-Existing Condition?
Altrua HealthShare defines a pre-existing condition as an illness or medical condition for which you have received medical advice or treatment at any time during the ten-year look back period preceding your membership effective date that would result in a two-year, five-year or lifetime limitation.
Altrua HealthShares states that “if the need is related to a pre-existing condition or limitation, it is unlikely it will be eligible for sharing.”
Altrua HealthShare’s Limitations for Pre-Existing Conditions
Here is a list of the two-year, five-year, and life-time limitations for pre-existing conditions at Altrua HealthShare:
Two-year Limitations:
- Addison’s Disease
- Angina Pectoris (stable or unstable)
- Asthma
- Benign Prostate Hyperplasia
- Calcium Deficiency
- Calculus of Kidney (Kidney Stones)
- Cardiac Dysrhythmias
- Carpal Tunnel Syndrome
- Cataract
- Chronic Kidney Disease
- Coronary Artery Disease
- Cushing’s Disease
- Endometriosis
- Epilepsy
- Gallstones
- Glaucoma
- Grave’s Disease
- Hashimoto’s Disease
- Hemorrhoids
- Hyperglycemia
- Hyperlipidemia
- Hypertension
- Hyperthyroidism
- Hypothyroidism
- Iodine Deficiency
- Malaria
- Migraines
- MRSA
- Osteoarthritis
- Osteoporosis
- Ovarian Cysts
- Pelvic Inflammatory Disease
- Polycystic Ovary Syndrome
- Prolapsed Bladder
- Pulmonary Hypertension
- Radiculopathy
- Rectal Prolapse
- Rheumatoid Arthritis
- Scoliosis
- Shingles
- Sleep Apnea
- Spinal Stenosis
- Spondylosis
- Tendinitis
- Tuberculosis
- Type II diabetes
- Uterine Fibroids
- Uterine Prolapse
- Vitamin A Deficiency
- Vitamin B 12 Deficiency
- Vitamin D Deficiency
Five-year Limitations:
- Barrett’s Esophagus
- Bell’s Palsy
- Cancer
- Cerebral Ataxia
- Celiac Disease
- Crohn’s Disease
- Cirrhosis
- Congestive Heart Failure (CHF)
- Deep Vein Thrombosis (DVT)
- Degenerative Disc Disease
- Diverticulitis and Diverticulosis
- Dysphagia
- Embolism
- GERD (Gastroesophageal Reflux Disease)
- Heart Murmur
- Heart Palpitations
- Heart Valve Disease
- IBS (Inflammatory Bowel Disease)
- Marfan’s Syndrome
- Meningitis
- Mitral Valve Prolapse
- Pancreatitis
- Peripheral Vascular Disease (PVD)
- Psoriasis
- Sjogren Syndrome
- Surgery
- Systemic Lupus Erythematosus
- Ulcerative Colitis
- Vitiligo
Lifetime Limitations:
- ALS
- Alzheimer’s Disease
- Aneurysm
- Autism Spectrum Disorders
- Cerebral Palsy
- Chronic Obstructive
- Pulmonary Disease (COPD)
- Cystic Fibrosis
- Dementia
- Diabetes Type I
- Down’s Syndrome
- Ectasia
- Emphysema
- Fragile X Syndrome
- Fibromyalgia
- Hepatitis (Chronic Viral B & C)
- HIV/AIDS
- Lupus
- Lyme’s Disease
- Macular Degeneration (wet or dry)
- Morbid Obesity (pending weight loss)
- Multiple Sclerosis
- Muscular Dystrophy
- Parkinson’s Disease
- Sickle-Cell Disease
- Spina Bifida
- Typhoid
Source: Altrua HealthShare Member Guidelines
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