Trying to find health insurance coverage for yourself or your family is not always easy. With hundreds of providers offering a number of policies, many customers feel overwhelmed by the selection process or shocked by the price. This is only made worse if you have pre-existing conditions of any kind. Health insurance for pre-existing conditions is challenging to obtain, and many providers will either charge exorbitant fees or deny you coverage altogether. Thanks to the helpful staff here at iCan, you can navigate the many options and find the best insurance for pre-existing conditions.
Clearly Define Your Pre-existing Conditions
A significant number of people each year decide to fib when filing for medical insurance. They might skip over their pre-existing conditions, or they might downplay their seriousness in order to get coverage. While this might be tempting, it can actually be a big mistake in the future should you ever need coverage for the condition. Whatever you do, always clearly define your pre-existing conditions and be upfront about any medical problems you may have had in the past.
Look for Coverage That Fits Your Medical Needs
You will want to find a medical insurance policy that covers the areas that affect you most. If you are pregnant, be sure that prenatal care is included in your plan. If you are suffering from diabetes and searching for health insurance for diabetics, you might want to determine whether a nutritionist is included in your network for better diet control.
Take the Common Waiting Period into Account
It is quite common for health insurance companies to only begin to cover your pre-existing conditions after a set waiting period. If you have asthma, for example, your insurance policy may not cover any asthma-related medical expenses for 12 or 18 months. Make sure that you understand whether or not a waiting period is part of your plan before you sign up with a particular provider.
Take Advantage of the Health Insurance Portability and Accountability Act
This recent act, also known as HIPPA, guarantees that people with pre-existing conditions are able to switch from one insurance plan to another without major penalties or denials. However, there are limitations on this act, and going without medical insurance for more than two months may affect your coverage.
Finding health insurance with pre-existing conditions doesn't have to be a challenge if you have iCan on your side. We are happy to help you compare policies and find the coverage that feels you safe and healthy no matter what preexisting conditions you may be dealing with.
