Getting Health Insurance with Pre-Existing Conditions - The Facts

One of the biggest issues of confusion in the area of health insurance is that of pre-existing conditions. Not everyone who applies for health care coverage is in perfect health,but come January 1, 2014, you will no longer be denied coverage based on a pre-existing condition. In the interim, however, we at iCan, understand how difficult it can be to navigate this part of purchasing medical coverage, and hope you will appreciate these facts about getting health insurance for pre-existing conditions.

What are Pre-Existing Conditions?

Pre-existing conditions are any medical problems that you were aware of before you applied for new health insurance coverage. A pre-existing condition can be small, such as asthma that only acts up when you play sports, or it could be more serious, such as diabetes. Pregnancy, chronic ailments and terminal illnesses are all major pre-existing conditions that could cause your health coverage costs to rise.

Why Do Pre-Existing Conditions Affect Health Care Costs?

Many potential health insurance customers are confused about why pre-existing conditions should cause your health costs to rise. The truth is that people with known medical conditions are more likely to need immediate and potentially expensive treatment, which means that providers will charge them higher premiums each month in order to offset those costs.

Can You Switch Insurance Providers with Pre-Existing Conditions?

Thankfully, the Health Insurance Portability and Accountability Act means that those with pre-existing conditions who want to switch health insurance providers can do so. If you are stuck paying high rates with one company and you want to switch, you might be surprised at how affordable it can be, even with pre-existing conditions. However, it is up to you to carefully read any policies and determine if there is a waiting period for coverage of your pre-existing conditions.

What are the Best Health Insurance Companies for Pre-Existing Conditions?

It is impossible to say which health insurance provider is the top pick for people with pre-existing conditions because there are a number of other factors like age, gender, price and geographical location at play. However, iCan partners with more than a dozen health insurance providers, which means we can find you a coverage policy despite any pre-existing conditions.

Just because you have pre-existing medical conditions, it doesn't mean that you have to live without health insurance or pay extraordinary premiums in or before the New Year. Here at iCan, we can help you find the right pre-existing medical condition insurance plan.