subject: Pre Existing Condition Insurance: Acquire The Coverage You Need Even If You Already Have A Debilitat [print this page] The insurance industry provides coverage for individuals who would like to protect themselves against illnesses in the future. This industry has commonly discriminated against people who are already suffering from illnesses though. If you are already suffering from an illness, and you still need coverage, you may want to look into pre existing condition insurance. This article will briefly discuss what you need to know about this type of policy.
Of course, there are not that many policies around the world that cover people who are struggling with pre-existing health conditions. In most cases, individuals are either denied coverage or must pay fairly high rates if they apply for coverage. Due to some fairly drastic changes that are arising within the industry today though, even people who are already suffering from health issues can acquire coverage.
The new laws that are taking effect are far more lenient towards people who are suffering from health conditions. Many people feel that there has been a great deal of discrimination placed upon the heads of people who are suffering from pre-existing health issues.
Since this discrimination has gone on for so long, and it continues to spread rapidly throughout the industry, the government is now putting an end to the difficulties individuals face when they attempt to acquire coverage with pre-existing health conditions. So, if you currently live in the United States legally, you can acquire health insurance even if you are already dealing with health issues.
These policies are only being provided to the public temporarily though. The primary reason why these policies are only being provided temporarily is due to the fact that it will soon be illegal for companies to discriminate against individuals who are currently suffering from pre-existing conditions.
So, if you have tried to acquire any type of coverage in the past, but were denied due to your state of health, you may want to think about applying for coverage once again. In fact, you may want to simply acquire the coverage being provided by the government. This coverage will keep you safe and healthy, but it will not restrict you and discriminate against you as insurance coverage policies have done in the past.
Until the law is put into effect though, it is likely that most individuals will still have to face many obstacles while applying for insurance with pre-existing conditions. If you currently have a health issue you are dealing with, and you apply for a new policy, you will likely either face exorbitant rates, a trial period, or you will be denied access to coverage altogether.
The government has taken care of individuals who are under the age of 19 though. Anyone who is under the age of 19 can immediately acquire insurance coverage even if they have a condition that may be considered pre-existing. Luckily for everyone though, within a few years, no matter what type of health conditions you may be currently struggling with, you will be provided access to pre existing condition insurance coverage.
by: Mark Miller.
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