Health Insurance For Someone With Pre-Existing Conditions
If you were to be rejected until one of you for health insurance, it is probably because you have an existing medical condition.
Thousands of being uninsured, underinsured uninsurable individuals is faced with serious health problems like heart disease, heart attack, diabetes, cancer, stroke, liver disease, AIDS, pregnancy, depression and kidney disease. Today you can still be rejected if you over-weight.
It is a real challenge of health insurance for someone with pre-existing conditions. But before we get ahead of us, here are some questions that we have to tackle.What is a pre-existing condition?
A pre-existing condition is an injury or illness was made in the diagnosis, the treatment was recommended, the treatment was rendered, or expenses have been available within a certain amount of incurred months the effective date of coverage (usually 3, 6 or 12 months and may be different) by state. It contains no conditions manifest themselves in symptoms that would lead a prudent person to seek medical advice.
What is a pre-existing condition Embargo?
Insurance companies are trying to people to wait until they get hold of the sick to medical insurance purchase. This is by defining what satisfies a predetermined condition exclusion period as known. This simply means that if you have a medical problem that is denied at the time of purchase of insurance, the insurer, the claims relating to the medical problem for some time will exist.
The rules on pre-existing condition exclusion periods in individual health policies vary widely from state to state and are very different from the rules of employer-funded plan. If you have or have recently had health insurance, you may be able to apply them creditable coverage to offset a pre-existing condition exclusion period.