Find best insurance coverage for existing medical condition
People who have a pre-existing medical condition are often getting worried that they might be denied or excluded from health coverage, and with a valid purpose. With conditions such as cardiovascular disease, cancer, asthma, diabetes, and hypertension many health insurance companies refuse to cover people. Some relatively minor circumstances, such as hay fever or injury, may also cause individuals to be omitted from health coverage. While there will be many changes in the next few years, it is important to know how having a medical issue will affect your health insurance today.
Definition of a Pre-existing Condition
A pre-existing medical condition is defined slightly differently by different insurance strategy providers but the general meaning is any type of medical state, procedure, illness, or even pregnancy that the applicant has known about or received treatment or medical treatment or guidance on in the 12 months prior to obtaining applying for an insurance policy.
Why do Insurance Companies Care about Pre Existing Conditions?
The purpose that wellness insurance strategy policy organizations are such sticklers when it comes to pre-existing conditions is that if they simply accepted everyone that applied for a wellness strategy regardless of their pre-existing circumstances then no one would ever purchase wellness insurance strategy policy until they actually got sick! In other words, if you knew that the wellness insurance strategy policy organization had to accept you onto their wellness insurance strategy policy strategy even if you just developed cancer then it wouldn’t make sense economically for you to pay your premiums every month for health insurance until you actually developed cancer because you could just apply for health insurance then and know that the insurance company would be forced to pay for your cancer treatment.
The most essential thing to remember when trying to find the very best health benefits for covering pre-existing medical conditions is to compare many different options. Just because one organization denies an application for a given condition does not mean that in the same manner, all companies will act.