If a person had breast cancer but has been cancer-free for years, is follow-up care considered a preexisting condition?

In the context of insurance and preexisting conditions, the key factor is whether the individual is currently experiencing any active symptoms or has a recurrence of the condition. While follow-up care after being cancer-free is important for monitoring and ensuring the individual's health, it does not indicate an existing illness or disease if there are no current symptoms or recurrences of cancer.

If a person has been cancer-free for years, this generally means there is no ongoing active concern regarding breast cancer. Therefore, unless breast cancer is found again, the follow-up care would not be classified as treatment for a preexisting condition; it is instead preventive and part of routine health maintenance. Thus, in the absence of any new diagnosis or recurrence of breast cancer, the follow-up care should not impact their insurance coverage negatively or be considered a preexisting condition.

This viewpoint aligns with how many insurance policies handle follow-up care post-recovery, emphasizing the significance of the absence of current disease when defining preexisting conditions.