Health Insurance with Pre-Existing Conditions
Compare Pre-Existing Condition Health Insurance Plans
A pre-existing condition is exactly what it sounds like: it is a physical or mental health condition, disability, or illness that you have before you enroll in a health plan, according to healthcare.gov. Normally, when looking to purchase health insurance, pre-existing conditions must be declared before you buy. Unfortunately for many people looking to buy pre-existing condition health insurance, insurance companies have different definitions of what constitutes a pre-existing condition. A pre-existing condition can be just about anything: from basic problems like acne and high blood pressure to more debilitating illnesses such as cancer and diabetes. In other instances, you may be completely recovered from a past illness, such as depression, and still have difficulty finding health insurance. Pre-existing condition health insurance, until last year, was notoriously expensive, especially for more healthcare-intensive conditions.
Until the recent passage of healthcare reform, it was difficult to purchase health insurance with pre-existing conditions. Coverage was expensive, if you could find it at all. You could be charged higher premiums and larger out-of-pocket expenses or a higher deductible to make it worth the insurance company to cover your policy. The Patient Protection and Affordable Care Act of 2010 eliminated requirements of purchasing pre-existing condition health insurance. An insurance company can no longer deny you coverage, unfairly raise your premiums, or exclude important benefits because of a pre-existing condition. For children under 19, according to healthcare.gov, this protection is already in effect. For all other policyholders, this policy will be made law by 2014.
Currently, many states offer pre-existing condition healthcare plans to help cover the gap until this law goes into effect. These public insurance plans will enable healthcare customers with pre-existing conditions to obtain coverage with the same price as someone without the condition. This type of program is a great benefit to someone looking for pre-existing condition health insurance. You are eligible for this program, which is offered either by your state of residence or the U.S. Department of Health and Human Services, if you have been uninsured for at least six months, you have a pre-existing condition or have been denied coverage because of the condition, and you are a citizen of the United States. Visit healthcare.gov for more information on these plans. After the law goes into effect in 2010, other private insurance companies will no longer be able to deny you pre-existing condition health insurance.