Health status has been a defining factor of what qualifies an individual for medical insurance on the private market until the Affordable Care Act changed the rules. Having a medical condition in your past or present will no longer lead to rate increases or a decline of coverage. You can now purchase coverage through any insurer and not have to worry about your health or medical history affecting your eligibility. However, the law still has many gray areas that don’t allow sick people to get all the coverage they need.
Underwriting guidelines for each insurance company vary, though all insurers are required to accept everyone for coverage starting January 1, 2014. Despite this revolutionary change, millions of Americans may still not be able to get the exact treatment they need covered. Usually, these are the most expensive or frequent forms of care, like ABA therapy for autism spectrum, for example.
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 options. Some treatments may be covered under Obamacare, and others require a few more years of protesting to gain recognition. In this section, we will cover many common conditions, how they are typically assessed by a health insurer, and your choices for coverage. Thanks to the new law, you will always be able to receive a health plan through a private insurer, like the ones offered by East Coast Health Insurance.
Having a condition, whether life-threatening 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 will only result in higher medical bills, and greater difficulties leading a natural life. Regardless of your income, there are ways to obtain coverage for the treatments you need to stay well.
Under the Affordable Care Act, coverage will vary according to insurer and plan — through exchanges and private health insurance.
Medicaid still offers coverage to many individuals with medical problems, but because eligibility depends so greatly upon income, it’s not the program for everyone. It is essential to not only know your options, but the criteria that corresponds with being accepted into public programs or even guaranteed issue individual health insurance.
Your condition may not be as costly to insure as you may think, as insurers are not permitted to increase your rates for health reasons. The laws have changed, and there are intricacies in each state for each condition. If you cannot find the answer in one of these articles, contact us and we will happily research coverage for certain treatments wherever you live. For more information on Medicaid’s covered services, visit your state‘s public assistance section.
Here is a guide to the health insurance options for individuals of all incomes with minor and major health issues.