Health status is one of the most defining factors of what qualifies an individual for medical insurance on the private market. Having a medical condition in your past or present is likely to cause rate increases, or even result in a full decline of coverage. Underwriting guidelines for each insurance company vary, though there are many health conditions that millions of Americans face and are unable to treat properly without some sort of insurance.
Individuals who may not have access to enough relevant information about their health condition need to know its impact on health insurance, and to know their subsequent options. Some conditions may be accepted for coverage, so it cannot be assumed that having a medical problem is the straw that broke your health plan’s back in every case. In this section, we will cover many common conditions, how they are typically assessed by a health insurer, and your choices for coverage. Many times, you will still be able to receive a health plan through a private insurer, such as the those represented by East Coast Health Insurance.
Having a condition, whether on a life-threatening scale or not, can contribute a great deal of stress, and not being able to afford to treat it can add even more. It is essential to take responsibility and initiative for your health and do everything possible to prevent your illness from escalating. Procrastinating on treatment will only result in higher medical bills in the future, and greater difficulties leading a natural life. Regardless of your income, there are ways to obtain coverage for specific treatments you need to stay well.
At the present time, health care is still fairly limited for individuals with less debilitating illnesses, as private coverage will likely be more expensive or unavailable, and public coverage is reserved for the very sick and very low-income in most states. Medicaid offers options for coverage for many individuals who have a medical history, but because eligibility depends so greatly upon income, it will not be the program for everyone. PCIP is another option if you can afford to pay for care and have been rejected by an insurer. To qualify, you must also be uninsured for a minimum of six months. It is essential to not only know your options, but the criteria that corresponds with being accepted into such programs.
In the very near future, individuals will all types of health conditions, past or present, will be able to receive care from any insurer. For the interim, there are assistance programs and sources of coverage to get you by and provide access to the treatments you may need, with no exclusions or limitations. As mentioned, your condition may not be as costly to insure or declinable, as you may think. Perhaps you are completely unaware of how health insurance works and has been regarding conditions for years. Here is a guide to the current (and future) state of health care coverage options for individuals with minor and major health issues.