Is Erectile Dysfunction Considered a Pre-existing Condition?

Thumbnail image for faq-icon.jpgIf I have been diagnosed with erectile dysfunction in the past, could this possibly count against me when applying for health insurance?

If current proposed health care reform stays in place, in 2014, this won't matter. But until then, the answer is, it depends.

Mostly it depends on what the insurance company considers a preexisting condition and what they will or will not cover. Also, most insurance companies use a certain formula or logarithm to determine eligibility. They may look at your medical history to see what conditions you have been diagnosed with, what you've been treated for, what medications you've taken, etc.

Compounding this is the fact that erectile dysfunction is usually not a standalone issue, but a symptom of another underlying condition, physical or psychological, like diabetes or clinical depression, and that is more likely to be what the insurance company will be looking at as far as preexisting conditions go.

Some insurance companies won't cover the cost of Viagra or other drugs to treat erectile dysfunction, and if that's the case, then my personal opinion is they shouldn't hold ED against you, since they won't cover its treatment anyway.