subject: Health Insurance Pre Existing Conditions Plan Is Essential [print this page] We hear various terms relating to the health insurance policies. One of them is pre-existing health condition. It refers to all those health problems which are present already in the body of a person willing to buy health insurance policy. These pre existing health problems include obesity, high blood pressure, diabetes, cholesterol etc. among others. The insurance companies are always concerned with the outcomes of selling policies. That is why they always tend to exclude the pre existing diseases from the list of diseases under coverage.
Pre-existing condition can be any health issue from cardio vascular disease to catching seasonal cold. It depends on the intension of the insurance company whether it will accept your application or reject it. The pre existing factors can greatly affect your medical insurance cover. When you apply for any affordable health insurance plan, the insurer may accept your application on some conditions. They may exclude your pre-existing health problems for certain duration from the list of diseases covered under the plan. Even though you are paying the premiums regularly, you may not get the required services from the company related to your pre-existing conditions.
One aspect that makes thousands of people worried is to find out an affordable health insurance pre existing conditions plan. In fact, many of us believe that as they are having some chronic diseases like heart disease, diabetes, high blood pressure etc., it is impossible to get health insurance coverage for them. It is not true always. An effective way to find an insurer for pre-existing health issues is to shop around. You should compare one insurer with the other and then note down what is common between them and what is not. In this way you can find out the best one for you.
There are other occasions when a company will give a positive nod towards giving you coverage under a particular health insurance plan. In that case the company may impose some conditions and also may charge additional premiums for the policy. Further the insurer may ask one to wait for a specific period before starting coverage of the pre-existing conditions. The purpose of this waiting period is to see if the patient has gone for any medical treatment during this period. A denial from most of the health insurance companies is rampant. Many of them have admitted to have denied the facilities or have charged higher premiums. So there are certain tips which are for the people to follow while they are going to apply for health insurance coverage with pre-existing conditions.
A person with pre-existing conditions should be aware of the fact very well. He will definitely see that many of other persons like him have been denied the insurance coverage. It is also important for an employee under group coverage to be aware of the fact when the person will change the employer. In that case it should be ensured whether the coverage will remain active for a certain period after leaving the organization and before joining another organization. In fact, all these matters are enough to puzzle one in the process of finding out a low cost health insurance.
by: lesterhobbs007
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