For those who have you been rated up or declined for medical health insurance it’s most likely as you have a pre-existing condition.
A large number of uninsured, underinsured and uninsurable folks are facing serious health problems like cardiovascular disease, cardiac arrest, diabetes, cancer, stroke, liver disease, AIDS, pregnancy, depression and kidney disease. These pre existing conditions can lead them to be declined for coverage of health. Today, you may also be declined if you’re over-weight.
It is a real challenge acquiring medical health insurance for somebody with pre existing conditions. However, prior to getting in front of ourselves, here are a few questions we have to address.
Exactly what is a pre-existing condition?
A pre-existing condition is any injuries or sickness that diagnosis has been created, treatment continues to be suggested, treatment continues to be made, or expenses happen to be incurred within a set fee of several weeks before the effective date of coverage (usually 3, 6 or 12 several weeks which can differ by condition). It offers any condition occurring itself in signs and symptoms which may result in a prudent person to find medical health advice.
Exactly what is a pre-existing condition exclusion period?
Insurance providers attempt to discourage individuals from waiting until they become ill to buy health care insurance. This is achieved by imposing what is known a pre-existing condition exclusion period. This only denotes, for those who have a clinical problem which exists when you purchase insurance, the insurer will deny the claims relating to that particular condition for any certain time period.
The guidelines governing preexisting condition exclusion periods in individual health policies vary broadly from condition to condition and therefore are greatly not the same as the guidelines of the employer-backed plan. For those who have or lately have experienced coverage of health, you might be able to apply this creditable coverage to offset a pre-existing condition exclusion period.