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Tips to Get Health Insurance for Pre-Existing Conditions
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Posted On :
Aug-29-2011
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Article Word Count :
482
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It’s tough to get health insurance with pre-existing conditions as many companies deny taking risk of covering persons with an illness or disease.
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It’s tough to get health insurance with pre-existing conditions as many companies deny taking risk of covering persons with an illness or disease. Each insurance company has different rules to handle Pre-existing conditions. Some health insurance companies postpone coverage if their customers find suffering from a grim illness or disease. The waiting period is not more than 6 or 9 months and after this time has passed, benefits kick in. If the health coverage has limitations on pay for major illness like cancer, you still may have limited pay or no pay for doctor bills.
Some health insurance companies treat people with pre-existing conditions is to modify the coverage. Suppose, if you are suffering from cancer and have a secure health insurance, you might elect to pay for only medication and the rest things like doctor bills and lab tests have to bear from your own expenses. Health insurance companies have no obligation to insure you on pre-existing condition.
“Experts suggest joining your employer’s group plan to cover pre-existing conditions.”
Things to Consider
If you are not satisfied with your insurance plan for pre-existing conditions, you can talk to your company’s HR department or Benefits department about joining the company’s group plan. These departments are responsible to handle employees’ insurance coverage. You may have to wait for a year or more than it until the plan will cover a pre-existing condition.
If you are losing your insurance due to changing jobs, you can apply for coverage through COBRA (Consolidated Omnibus Reconciliation Act). It will help you greatly and allow you to pay your due premiums. It is expensive, but can cover you until you find other insurance options.
Find a professional organization to get a group health insurance plan. There are many professional organizations that are ready to offer health insurance for their members and offers to join their group. It’s better to join the organization you belong to.
You can create your own group to get better coverage. In some states, by creating your own company you can make a group, no matter if you are an individual. You allow making a group of 2 or 3. After making a group, you can easily apply for a group health insurance that provides better coverage for your pre-existing condition.
Today, there are many companies offer insurance to high-risk patients. These companies’ premiums are high but will ensure you to provide better coverage. They basically deal with conditions of HIV, cancer, AIDS and many deadly diseases that may cause a serious health condition. There is no price cap on this type of coverage and you may find it quite costly.
Ideally, the group health insurance is known as individual health insurance policy. And the aforementioned tips will help you greatly to find the health insurance provides better coverage on your pre-existing condition.
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Article Source :
http://www.articleseen.com/Article_Tips to Get Health Insurance for Pre-Existing Conditions_77784.aspx
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Author Resource :
If want to know more about health insurance for pre existing conditions, family health insurance and individual health insurance policy, you can take help from us. We are specialized in providing affordable health insurance advice.
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Keywords :
affordable family health insurance, affordable health coverage, affordable student health insurance, health insurance for pre,
Category :
Health and Fitness
:
Health and Fitness
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