For most of us in the market for Options health insurance, the word “pre-existing” gives us a quail that runs down the spine. We often can’t help the fact we’re currently being treated for a condition, and it seems partial that this should keep us from getting coverage. But there can’t possibly be a way to get insurance for conditions we’re taking medication for, right? Let’s strain this a little closer and find out for ourselves.
Let’s first examine what a pre-existing condition is. A pre-existing condition can be defined as an ailment that you are taking treatment for prior to purchasing an insurance policy. Although there is much debate surrounding pre-existing conditions, they do make sense from the profitability standpoint of an insurer.
Why would they want to cover you in real time for a condition you just started taking medication for yesterday? However, the new mandates issued by the Health Reform Bill will require all new health plans to cover pre-existing conditions straightaway starting in year 2014. Be sure to keep updated with new changes and updates concerning the law, as utmost provisions will surely change as the Bill progresses.
Now for the important part: how do you get health insurance if you have pre-existing medical examination conditions? The easiest, most direct way would be to purchase coverage through your employer if offered. Although you may have to undergo a wait period (unremarkably up to 12 months) before the plan will cover your previously-treated conditions, you cannot be denied coverage.
So once you play the waiting game, you can be insured person and have the insurance company cover your pre-existing conditions. If you ever resultant your current employer, in Virginia you have a 63 day window to either choose the offering of COBRA or purchase an individual plan wherever you won’t have to undergo another waiting period for the conditions.
For self-employed individuals or anyone locution for a personal policy, the terms may not be quite as easy. There should not be much of a problem for healthy individuals obtaining coverage, but that is not who we are worried about. If you currently seek medical treatment for various ailments, you will have to endure the waiting period of 12 months before everything is covered.
If you have a plethora of health issues which keep you from passing through underwriting, you may run into some issues. In Virginia, many insurers will offer what they call Standard Insurance Plans, which will allow you to be covered regardless of medical condition.
As you can imagine, these plans will have a very high every month premium, and you have to wait 12 months for pre-existing conditions to be covered. Although this option may be not be affordable for most, it is still a feasible way to be protected.
Another way to be protected with previous medical conditions on your record is to purchase short term health insurance. While these plans won’t cover these conditions, they will give you a health policy to help if a cataclysm strikes. These plans may not be the route you are willing to take over the long term, but can help you during transit periods between employers or before Medicare.
Getting health insurance coverage with pre-existing conditions can be frustrating. When you are shopping for a health plan, be sure to keep these paths in mind. While alternatives may vary state-to-state, there are usually ways to get insurance even when the light seems dim. Don’t wait until 2014 to seek coverage for prior conditions when the opportunity exists today.Can you obtain Health Insurance with a pre conC