If you were to be rejected until one of you for health insurance, it is probably because you have an existing medical condition.
Thousands of being uninsured, underinsured uninsurable individuals are faced with serious health problems like heart disease, heart attack, diabetes, cancer, stroke, liver disease, AIDS, pregnancy, depression and kidney disease. Each of these existing conditions before they can be rejected for health insurance. Today you can even be rejected ifYou overweight.
It is a real challenge of health insurance for someone with pre-existing conditions. But before we get ahead of us, here are some questions that we have to tackle.
What is a pre-existing condition?
A pre-existing condition is an injury or illness was made in the diagnosis, the treatment was recommended, the treatment was rendered, or expenses were incurred within a certain amount of months before the effectiveTime of reporting (usually 3, 6 or 12 months and may be different) by state. It contains no conditions manifest themselves in symptoms that would lead a prudent person to seek medical advice.
What is a pre-existing condition Embargo?
Insurance companies are trying to people to wait until they get hold of the sick to medical insurance purchase. This is by defining what satisfies a predetermined condition exclusion period as known. This simply means if you have one,medical problem that is denied at the time of purchase of insurance, the insurer, the claims relating to the medical problem for a certain time will exist.
The rules on pre-existing condition exclusion periods in individual health policies vary widely from state to state and are very different from the rules of employer-funded plan. If you have or have recently had health insurance, you may be able to apply for this commendable reporting an offset --preexisting condition exclusion period.
Why all the hoopla over a pre-existing condition?
The biggest stumbling block with private health insurance is the problem with the existing conditions. Plain and simple ... Insurance companies are not as pre-existing conditions. You know, in the long run ... it costs more money to assure you. Frankly, my dear insurers for people who are not very likely that the insurance must insure.
But stop and think! Who does not knowhave some kind of health or medical question? It can be something as simple as asthma or as complex as cancer. Some pre-existing conditions can be managed and these people can lead a relatively healthy and normal life.
However, insurers can and do not turn down "high risk" individuals for coverage under an existing or previous illness. Even if coverage is found, the premiums are often unaffordable. Sometimes the individual can pay at the end with a change in policy overbecause of their medical history or with a policy, which will be excluded from existing conditions.
Are there things I do to get a comprehensive health care?
Here are some options for obtaining health insurance. Check that all apply to your situation.
(1). Employer-funded group health plan
(2). Join a professional organization (eg Chamber of Commerce)
(3). Individual Health Insurance
(4). State Risk Pool (if it is in yourState)
(5). Discount Health Cards
(6). Guaranteed Issue Health Insurance
Whether covered by insurance or by other means, so the overall cost of health insurance for someone with pre-existing conditions is dramatically high enough to affect that person's lifestyle.
Today, it is cause for us all very important for a healthy lifestyle. However, if you already have a condition that you always keep affordable health insurance,You should examine the 6 options listed above to see that work best for you.
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