Click to compare health insurance plans with different insurers.
Health insurance pre-existing conditions: Medicare and more health insurances have circled today’s world of health care. Each is armed with its own sets of benefits and coverage but all with one goal- to help us with the costs of health care services. Each has limits and rules that an individual must take a look into for them to
realize the full extent of the service it can provide and which others it cannot. Give us a call at 1(800) 220-7898.
The things that set you apart from these health insurances are money, time and acceptance of insurance application. Money as they will require you to pay monthly or yearly premiums for the insurance. Time also is an essence as it will take time for you to be able to apply for insurance and a couple more for it be in effect. And the most difficult barrier for you to pass is the acceptance of the insurance application.
Every insurance application has in itself a set list of requirements you need to pass. Along with the long list is the most common cause of insurance refusal- a pre-existing health condition. It may be a risky lifestyle or a current disease and as long as the company who provides the insurance finds them, you are sure to end up getting refused. This is usually found out in the papers you had to fill up and the medical check-up. Those of you who has this problem, fear not: health insurance pre-existing conditions is there willing to aid and give insurance even to those already suffering a from a serious disease or medical condition.
What is a Pre-Existing Condition?
A pre-existing condition is a health problem that existed or was treated before you applied for coverage under a new individual of family health insurance plan.
Certain serious conditions, including cancer, heart-disease or insulin-dependent diabetes, may result in an automatic decline by the insurance company. However, there are a number of other common medical conditions thay may not necessarily prevent applicants from obtaining individual or family coverage.
If you are unsure about qualifying for non-group health insurance because of a pre-existing condition, you should contact one of our licensed health insurance agents and ask. Underwriting rules differ across carriers and states, so it’s still possible there would be an individual or family health insurance plan that works for you.
Health Care Reform & Pre-Existing Conditions
In 2010, President Obama signed into law the Patient Protection and Affordable Care Act, which will make health coverage available to all consumers even if they have been denied by private insurance carriers due to a pre-existing condition in the past. However, this particular provision of the health reform law will not go into effect until 2014.
The above is from eHealthInsurance.
Challenges with Health Insurance for Pre-existing Conditions:
- Its new use
- Difference of application per state
- The huge budget it needs to satisfy the different variables and even some very costly treatments of ill individuals applying for the insurance
The health insurance pre-existing conditions is still new making many question as to how it can be
availed and the actual process for its insurance claims. Also, each state has different policies concerning its use, making it difficult in terms of application at different borders which is why it is very different from guaranteed issue health insurance. Also, since people with ailments are its target individuals, there is a huge chance of needing a large amount of budget to initially cover the health care costs these individuals will likely avail.
Top things people with health insurance pre-existing conditions look for:
- Insurance requirements
- Insurance costs
- Benefits of the insurance
Health insurance for pre-existing conditions is still new in the United States, which is why people are still looking into how to comply with all of its requirements. Insurance costs also are an issue along with the benefits one may get from application of the insurance. Together with all of its eligibility requirements it can be very difficult to apply for and acceptance is therefore not guaranteed.
These health insurance pre-existing conditions plans are backed up with the law – The Affordable Care Act which makes it a law of the land that everyone must follow, so rest assured that all benefits indicated by the insurance are for you to enjoy. Since the insurance program also ends in 2014, if you have extra payments out of the changed premium prices by then, PCIP will forward these to the next insurances you will be applying. They will also guide you on future health care programs.
By the end of it all, after successfully complying with all requirements of health insurance pre-existing conditions, you would surely be able to enjoy the following benefits:
- Primary and specialty care benefits
- Hospital care costs will be reduced
- Discounts on prescription drugs
{ 4 comments… read them below or add one }
I understand the insurance companies denying you insurance coverage for pre-existing conditions, and I am glad to see that this will not be an issue once that pre-existing condition act takes effect. What I don’t understand is how the insurance companies can deny you coverage for your weight. If you do not have any pre-existing health issues, you blood pressure is normal or low, you do not have diabetes, and your pulse rate is normal, blood sugar tests normal then how can they deny you insurance just because you are a few pounds overweight? Will this Medical reform act help that as well? From what I am gathering from the article though is it will help with hospital cost and there will be a medication discount but it could still cost you more than if you were on a private health care is that a correct assumption?
I was reading earlier about the Guaranteed Issue Health Insurance and to me that sounds like the way to go because they can not deny you coverage correct? But it sounds like this one still can. At the end of 2014 when the reform act ends and the PCIP transfers your insurance to a private insurance company will you have to re-qualify for the coverage? This gives us something to think about doesn’t it. Thanks for sharing this information.
Did I read correctly when I saw that the medical reform act ends in 2014? I thought it started then, how are they going to start and stop it in the same year and make any kind of changes for anyone that will benefit them? Are they going to sale your policy to the private insurance companies when it ends? I have the same concerns that Mittie has are you going to have to take a physical and re-qualify for the insurance after they change?
Richard has a good point there about being denied insurance because of your weight. If you don’t have any existing issues and you can take their little physical and pass it with flying colors, then how can they deny you coverage? Isn’t that discrimination of some sort. I am very curious because this happened to my husband when he tried to get life insurance, his blood pressure, blood sugar, cholesterol, were all normal and he could do the physical part of the physical with no problems but they denied him. Maybe I should talk to a lawyer about discrimination and see what he says. Thanks for the information on this insurance though I will see what happens when it becomes available.
{ 2 trackbacks }