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Pre-Existing Condition Health Insurance Coverage – Top Tips to Getting Your Conditions Approved

An educated consumer is a smart consumer, use this article to better your understanding for obtaining affordable health insurance. Affordable health insurance for someone with pre-existing conditions can seem very elusive to obtain, but in reality, it’s your effort that generally determines your insurability, and your insurance cost. According to a 2007 report by United Health Foundation, 15.9 percent of all Americans are uninsured.



If you feel your health insurance is too expensive, or you have been denied insurance due to a Pre-Existing Condition (injury or sickness). Then it’s time for you to buckle down and sharpen your skills because I’m here to ensure you that you can improve your situation.

Steps to affordable insurance Check to see if you have a state sponsored risk pool, these pools help if you have been denied affordable health coverage due to pre-existing conditions. State risk pool insurance plans can very greatly for benefits, eligibility and funding. These pools often help individuals fill the gap in insurance coverage and can offer a temporary stop while shopping and changing insurers. Not all insurance providers are created equal. Shop websites that provide multiple quote comparisons from large pools of providers. This will reveal different options for obtaining affordable insurance based on your conditions since different providers view various conditions differently. Once you have found several providers that will cover your condition, compare the differences and conditions of the policies to determine which is best for you. Insurers often have delayed treatment provisions (exclusion periods), which delay treatment of pre-existing conditions for anyone previously diagnosed. Delays are usually 3, 6 or 12 months, in this case it is important to leave your current policy in place for this time frame while switching providers, or find temporary filler like a state sponsored risk pool. See if your employers sponsored group health care plan will cover you. Join a professional organization like your local Chamber of Commerce or other community non-profit groups that may have membership health plans. Purchase a discount health card. Discount health cards are simply a means of letting consumers -who pay a fee, usually monthly, purchase health care products and services from specific providers at discounted rates.

The good and the bad: While it may not seam fair that your conditions have caused you so much turmoil physically, emotionally and financially, remember, Persistence will provide, and one sure fact is that the current insurance market is so large and so competitive that if you put the time in, you will almost certainly find a policy that works for you. The best part is, you can do it from the comfort of your own home, shop multiple quote sites and be persistent!

Michale Trueson is a specialist in insurance cost reduction through company and policy comparison. In today’s market shopping and comparing is a must for affordable insurance.

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