Saturday, November 6, 2010

Health insurance for a person with pre-existing conditions

If you have designed or collapsed health insurance is probably because you have a pre-existing condition.

Thousands of poor, uninsured uninsurable people largely are not faced with serious health problems like heart disease, stroke, diabetes, cancer, stroke, liver disease, AIDS, pregnancy, depression and kidney disease. Each of these persistent health problems that can be searched through the roof. Today you can also decrease ifIf you are overweight.

It 's a real challenge for those with certain preexisting medical conditions. But before we look ahead, here are some issues to be addressed.

What is a pre-existing condition?

A pre-existing condition is any injury or illness was made for diagnosis, treatment is recommended, the treatment was given or expenditure in a number of months completed before the effective date ofThe release date (usually 3, 6 or 12 months and can vary depending on the state). Includes all conditions which manifests itself in symptoms that lead a prudent person to consult a doctor.

What is an exclusion period for pre-existing conditions?

Insurance companies are looking for, from people wait until they get sick to discourage the purchase of health insurance. This is known with the introduction of an exclusion period for preexisting conditions. It simply means that if you have amedical problem that is when buying insurance, the insurer has denied the allegations on the medical problem for some time.

Existing rules for deferral periods provided for pre-individual health vary from state to state and are very different from the rules of the employer sponsored plan. If you have or have recently had health coverage before, you may be able to apply this laudable report a changepre-existing condition exclusion period.

Why all the fuss over a pre-existing condition?

The biggest obstacle to a private individual health insurance is the problem with pre-existing conditions. It 's simple ... Insurance companies are not like the pre-existing conditions. You know, finally ... costs more money to ensure you. Frankly, my people, of course it is very likely that the insurance must be insured.

But stop and think! Who does not knowhave some sort of medical problem or health? It can be as simple as complex as asthma or cancer. Some of the pre-existing conditions may be given to these people can live relatively healthy and normal.
However, insurers can not refuse and that people of "high risk" because of previous or existing health coverage. Even if it is covered, often pay exorbitant premiums. Sometimes, individual wages can lead to more political changetake into account your medical history or policy that excludes pre-existing conditions.

There are things you can do to get coverage for health care?

Here are some options for maintaining the health of the turf. See if you apply to your situation.

(1). From the employer's group health plan

(2). Joining a professional organization (eg Chamber of Commerce and Industry)

(3). Personal Health Insurance

(4). State risk pool (if in your state)

(5). Discount Health Card

(6). Guaranteed Issue Health Insurance

If the funds covered by insurance or otherwise, the total cost of health insurance for those who already pre disorders is quite high for a huge impact on individual lifestyles.

Today, it is important for us all to live a healthy life. However, if you already have a state expected at affordable prices> Medicare, you should investigate to see 6 above options, it would be best for you.

No comments:

Post a Comment