Los Angeles Insurance: What To Do If You've Preexisting Conditions

Los Angeles insurance companies offer access to top caliber healthcare not just in the city

, but in the entire state as well. As you may well know, healthcare costs in California can be quite expensive and people who do not have coverage do not have any control when it comes to the treatments or health services they get. Unfortunately, a person's right to get insurance coverage is not currently guaranteed in the state of California. An applicant for any type of insurance package could be turned down by insurance companies, while someone who gets approved could be slapped with high premiums depending on factors like age and preexisting health risks. Fortunately, there are other ways to get insured in Los Angeles if you have preexisting conditions.

Firstly, if you are denied by a Los Angeles insurance company because you have preexisting health problems, you can choose to get coverage through your spouse's group insurance. That is if your spouse is working. Individuals who are not more than 65 years of age can qualify for this type of insurance policy. Here, the primary policyholder or the working spouse will be the one to pay part or all of the insurance premiums. One good thing about this arrangement is that it offers the least costly manner of getting insured even if you have existing health problems.

Next, you can choose to tap the Cal-COBRA law to get Los Angeles insurance even if you suffer from a preexisting health problem. Under this law, you can decide to keep the insurance coverage that you got through your work. This means that even after you have left your employer, you can still be entitled to the same benefits provided by your insurance policy from your previous work. The Golden State, where Los Angeles belongs, allows individuals to continue getting insurance coverage for up to 36 months after they left their employment, granting that they were not terminated from work.

Finally, another way for you to get Los Angeles insurance no matter what kind of health condition you have is through HIPAA plans. This is the perfect move if you had continuous insurance coverage of at least 18 months and if you have already reached the limit of your Cal-COBRA protection. One good thing about HIPAA insurance packages is that four of the biggest insurance companies in the country offer such plans. On the downside, this type of insurance package has a higher premium compared to Cal-Cobra and other public plans.

by: Russell Rabichev

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