Can I Get Health Insurance if I Have a Pre-Existing Medical Condition
Can I get health insurance if I have a pre-existing medical condition? This is a significant question asked by millions of consumers each year for the simple fact of knowing how many folks don’t have pre-existing issues. Nearly everyone does, from scoliosis to smoking, pre-cancer results to asthma. In the days before the ACA, insurance companies were reluctant to sign up new policies that had a history of illness or injury, but with government intervention, this selective environment became labeled as discriminatory.
Can I Get Health Insurance if I Have a Pre-Existing Medical Condition?
So, can I get health insurance if I have a pre-existing medical condition? The answer is definitely yes but understand that your costs will be higher for both your premiums and deductibles when you sign up. This is because the insurance company wants to get its money back from you, and now that they know what issues you currently have, they will know how much to charge you for coverage.
Pre-Existing Condition Insurance Plan Providers
Pre-existing condition insurance plan providers have a love-hate relationship with new clients with known medical issues. This is because unlike other policy holders, they know how much money you are potentially going to cost them, as well as knowing how much money they can make from you with increased premiums and deductibles.
Short Term Health Insurance That Covers Pre-Existing Conditions
If the need arises through the loss of a job or living condition, you can find short term health insurance that covers pre-existing conditions. It may be expensive, but the policy will be able to carry you through to finding a better employment situation and still keep you covered medically.
United Healthcare Pre-Existing Conditions
So, can I get health insurance if I have a pre-existing medical condition? The answer is yes but be prepared to pay significantly more in signing up when you disclose your condition. The insurance company will want to ensure they make their money off of you and knowing a little more about how much it will cost to cover you, your rates will be higher. You can determine this difference by using the charts provided by insurance companies, much like the United Healthcare Pre-Existing Conditions chart. Input your information and be prepared to be shocked.
For more information please call ObamacareQuotes today at (800) 811-2640