Health Insurance For Pre Existing Conditions - Tips to Getting Your Condition Covered
While people are trying to cut down on health insurance costs with the economy's poor performance, how does one handle health insurance for pre existing conditions? It is well known that insurance companies tend to offer an expensive plan if you have a preexisting condition.
Pre existing conditions relate to medical issues that were present prior to a person obtaining a health insurance policy.
Typically, there are negative connotations associated with this term as it could potentially prevent you from getting health cover or you will end up paying a higher premium if you get the coverage.
However, do note that there are providers who will provide coverage although there may be some restrictions.
The more common pre existing conditions include obesity, diabetes, depression, pregnancy and fibromyalgia.
The insurance companies have their own list of these conditions and their own standards when providing insurance coverage for those with these conditions.
There are times when the insurance companies will require a waiting period before covering the pre existing conditions under the health insurance policy.
Many insurance companies even require a 12-18 month waiting period before they pay any medical bills related to the conditions.
Fortunately, under HIPAA (Health Insurance Portability and Accountability Act), one is entitled to have the treatments paid for by the new company.
Under this act, those previously covered under a group health insurance plan and are now in the process of getting a new type may be able to get cover as long as they meet certain criteria.
Note that the previous plan must have been a group health plan and not an individual health insurance policy.
Otherwise, check if there is a state sponsored risk pool.
These pools can help you if you have been denied an affordable health care plan.
They can help fill in the coverage gap and be able to offer a temporary stop when changing insurers as well as when you are looking for a potential health care plan.
Remember that not all insurance companies provide the same cover and rates.
If you want the best value for your money even with the pre existing condition, then you need to do a comparison across those companies providing affordable plans.
Internet shopping makes this very easy as you can get online quotes.
Although, it will cost you more to get health insurance for pre existing conditions, you can still make sure that you get the best deal by taking the time to do some research for both cover and cost.
Pre existing conditions relate to medical issues that were present prior to a person obtaining a health insurance policy.
Typically, there are negative connotations associated with this term as it could potentially prevent you from getting health cover or you will end up paying a higher premium if you get the coverage.
However, do note that there are providers who will provide coverage although there may be some restrictions.
The more common pre existing conditions include obesity, diabetes, depression, pregnancy and fibromyalgia.
The insurance companies have their own list of these conditions and their own standards when providing insurance coverage for those with these conditions.
There are times when the insurance companies will require a waiting period before covering the pre existing conditions under the health insurance policy.
Many insurance companies even require a 12-18 month waiting period before they pay any medical bills related to the conditions.
Fortunately, under HIPAA (Health Insurance Portability and Accountability Act), one is entitled to have the treatments paid for by the new company.
Under this act, those previously covered under a group health insurance plan and are now in the process of getting a new type may be able to get cover as long as they meet certain criteria.
Note that the previous plan must have been a group health plan and not an individual health insurance policy.
Otherwise, check if there is a state sponsored risk pool.
These pools can help you if you have been denied an affordable health care plan.
They can help fill in the coverage gap and be able to offer a temporary stop when changing insurers as well as when you are looking for a potential health care plan.
Remember that not all insurance companies provide the same cover and rates.
If you want the best value for your money even with the pre existing condition, then you need to do a comparison across those companies providing affordable plans.
Internet shopping makes this very easy as you can get online quotes.
Although, it will cost you more to get health insurance for pre existing conditions, you can still make sure that you get the best deal by taking the time to do some research for both cover and cost.
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