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People with pre-existing conditions like diabetes, cancer, heart disease, heart attack, stroke, kidney disease, liver disease, AIDS, depression and a long list of health conditions, have found it almost impossible to find affordable health care. These health issues are causing thousands people to be rejected by health insurance. If you are looking for uninsurable health insurance or health insurance preexisting condition, you know how difficult a task that can be.
Sometimes pre-existing conditions allow an insurance company to deny your health insurance application. However, there are ways that you can count on affordable health coverage. If you can combine creative design with sure knowledge and understanding of what is available, which will greatly reduce possibility of potential financial stress on you and your family.
Should you find an insurance company to provide health insurance, you quickly discover that this coverage is not cheap. And … is probably limited coverage compared to coverage of someone who has no known health problems. The bottom line is this, whatever coverage you can get, it's probably better to take it until something better comes along.
You can find health care affordable. I have listed 6 options below.
Group Health Insurance: The best option for those with chronic diseases, pre-existing conditions or even uninsurable. It really is a guaranteed issue health insurance plan. With group health insurance, coverage is usually provided by your employer or the employer your spouse. The employee usually has little, if any, choice on the characteristics of coverage. The main advantage of group insurance: new employees without health insurance will usually have questions or concerns about a preexisting condition. One disadvantage: coverage usually ends when the work of employee is terminated.
Professional organizations: Most do not know about this option. A number of offers of professional organizations its members a health insurance program as a fringe benefit. This health insurance coverage could be a great way to be insured if they can not ensure or has a condition preexisting. This is actually a group health insurance policy. See if you can get access to a membership organization that provides health insurance for conditions preexisting or health insurance for the uninsured. A valid certification or professional experience may be compelled to join. Other associations can accept their membership without these prerequisites. Look for local and national associations. Even with an annual membership fee, you can still worth the money.
Private Health Insurance: If you are without health coverage from an employer group or health care organization plan, which still has pre-existing conditions they have caused to be uninsurable, obtaining individual health insurance is probably going be a little difficult. If you find the coverage, premiums are often unaffordable. However, this could still be your best option for now. You can always go with a better plan in the future.
State Risk Pools: For people who have serious medical conditions, some states allow access to private health insurance or individual for uninsurable or health plans for uninsurable. These plans are defined as high risk health insurance pools. Individuals in these state risk pools have access to comprehensive private coverage plans. However, premiums can be very expensive, often double what private health insurance cost for someone who is healthy. Individuals can find registration closes at a new participant or in the pool State has a long waiting list. These high-risk groups are often the last resort for people who have serious pre existing conditions and are paying exorbitant prices for their insurance, or are able to meet key state conditions for registration.
Discount Cards Health: Companies selling discount cards intended to save users money by offering discounts for hospital, physician, prescriptions, dental, vision and chiropractic care. Consumers seeking affordable healthcare may be confused by these health cards. They really are not health insurance. You remain responsible for paying the bill medical. The discount health card simply offers a reduced price for the services of participating providers of health. That often make inflated promises of benefits and expected savings. Be careful when buying discount health cards. You may pay more than it saves.
Guaranteed Issue Health Insurance: For those who are uninsurable, people with preexisting conditions or someone who simply can not afford or qualify for health insurance, then a guaranteed issue health plan insurance may be a good option. These plans, known as "mini-medical products," must not be confused with "discount health cards". These plans usually quite affordable and offer a considerable amount of coverage. Most pre-existing conditions are covered after 12 months. Understanding these plans are not basic health insurance or major medical coverage, but are limited compensation plans. This only means that the plan pays benefits based on a pre-defined amount per service or procedure. Usually covered are doctor visits, hospitalizations, emergency room visits, surgery, accidental death, etc. Most not require complete medical questions or take a physical exam to qualify.
About the Author:
Rudy Wilson is currently active in the insurance industry. He is also a researcher and an author. Visit his web site at http://www.UninsurableHealthSolution.com to view more information on finding affordable health care for the uninsured, the underinsured and the uninsurable.
Article Source: ArticlesBase.com – Uninsurable for Health Insurance?
WORK COMP UPDATE 1 – JUNE 8, 2009
