Shopping For Health Insurance When You Have A Pre-Existing Condition

by Leon on January 10, 2014

health insurance tipsIf you have a pre-existing medical condition, there is a good chance that you will find it frustrating when you start shopping for medical insurance. Most medical insurance providers will turn down individuals who have pre-existing conditions. You’d like to think that anything having to do with your health wouldn’t involve stock prices and investor dividends, but the truth is that it does, especially in the private insurance sector. However, there are a number of ways to find out if you can get coverage, which is important, especially if you do have a medical condition or if you are getting older and your condition is getting worse. Here are some tips for shopping for health insurance when you have a pre-existing condition.

First, you want to find out what kind of insurance your employer provides. Most employers provide medical insurance regardless of a pre-existing condition. If you don’t get the same benefits as other employees, you may want to talk to your employer. If you aren’t getting insurance for some reason, you may want to find out why. In most cases, there is a very slim chance that you will be turned down for an insurance plan.

And if you are not covered by your employer, but you are being turned down by every private insurance provider, it may be time to start doing some research. Doing your due diligence is often your best bet when you are being denied medical coverage. You want to find out if an insurance provider can legally turn you down or if your medical condition actually bars you from coverage. You may also want to find out if you have any state medical coverage providers that can get you approved and on the track to having a health plan.

Next, you may want to start looking for some government backed insurance plans or some low-cost, affordable insurance options. In most cases, there will be a government sponsored insurance provider that can offer you an insurance plan despite medical conditions. Moreover, there may be affordable insurance options that allow people to secure a plan even if they have a medical condition. For instance, iCan Benefit makes it easy to get a quote and they promise not to turn anyone down who has a pre-existing condition. Plus, they offer some really affordable rates on insurance.

Lastly, you could look into membership based insurance policies. Are you a member of the chamber of commerce in your community, or even the rotary club? If you are, you may be eligible for an insurance policy. Oftentimes, these insurance plans are drastically more affordable than some private plans. When it comes down to it, even if a private insurer does offer a rate for someone with a pre-existing condition, it is usually obscenely high. However, by getting a group health insurance plan, you could actually be saving money. At the end of the day, if you have pre-existing condition, shopping for health insurance can be incredibly difficult, but it is certainly not impossible.

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Clement Burgess January 10, 2014 at 9:10 pm

Yes. You’ll need to pay any deductibles , copayments , and coinsurance your plan requires. It doesn’t matter whether you’re being treated for a pre-existing or new health condition.

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