What am I Covered for and Not Covered for? – Chronic Illness Alliance – Research and Advocacy for the Chronically Ill in Australia (2024)

FAQs

What is considered a chronic illness? ›

A disease or condition that usually lasts for 3 months or longer and may get worse over time. Chronic diseases tend to occur in older adults and can usually be controlled but not cured. The most common types of chronic disease are cancer, heart disease, stroke, diabetes, and arthritis.

Conditions which may not be covered

Conditions like terminal illness, the need for oxygen, pending surgery, chronic lung disease, cardiovascular disease, specific types of cancer, congestive heart failure, and recurring pain are generally excluded from coverage.

Chronic diseases generally cannot be prevented by vaccines or cured by medication, nor do they just disappear (8). According to Wikipedia a chronic condition is, a human health condition or disease that is persistent or otherwise long-lasting in its effects or a disease that comes with time.

Claims due to known, foreseeable, or expected events, epidemics, government prohibitions, warnings, or travel advisories or fear of travel are generally not covered (coverage can vary by state.)

Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer, as well as pregnancy. They cannot limit benefits for that condition either.

Yes! Generally speaking, a pre-existing condition is any illness or injury present within the 120 days prior to buying your plan (including your plan purchase date.) To be eligible for pre-existing condition coverage, you must: Be a U.S. resident.

Chronic conditions are conditions that last a long time and require ongoing care. They include arthritis, asthma, diabetes, heart disease, special needs (such as autism) and diseases (such as cancer). The symptoms of chronic conditions sometimes come and go or flare up at certain times.

Are all chronic illnesses a disability? ›

Could my chronic illness be considered a disability? After looking at the definition of chronic disease, this question may seem simple, but the answer is different for everyone. Not every chronic health condition is a disability, and not every disability stems from chronic illness.

A disability is a physical or mental condition that limits a person's movements, senses, or activities. Disabilities can be congenital (such as cystic fibrosis) or acquired (such as lupus). A chronic health condition can be a disability, but not all disabilities are chronic health concerns.

One of the best side hustles for people with chronic illness is blogging. You can set up a blog, write posts, and get them on Pinterest. If you use SEO, your posts can also show up in search. You can continue to promote your posts on social media to get more views.

A chronic illness is one that lasts for a long time and usually can't be completely cured. Examples of chronic illnesses include diabetes, heart disease, arthritis, kidney disease, HIV/AIDS, lupus and multiple sclerosis.

ADHD is considered a chronic and debilitating disorder and is known to impact the individual in many aspects of their life including academic and professional achievements, interpersonal relationships, and daily functioning (Harpin, 2005).

Chronic conditions and multimorbidity

AIHW commonly reports on 10 major chronic condition groups: arthritis, asthma, back pain, cancer, cardiovascular disease, chronic obstructive pulmonary disease, diabetes, chronic kidney disease, mental health conditions and osteoporosis.