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Tips to Affordable
Pre Existing Condition Health Insurance
Coverage
An educated
consumer is a smart consumer. Use this article
to better your understanding for obtaining
affordable health insurance.
Affordable health insurance for someone
with pre existing condition can seem very
elusive to obtain, but in reality, it’s
“your” effort that generally determines
your insurability, and your insurance cost.
According to a 2007 report by United Health
Foundation, 15.9 percent of all Americans
are uninsured.
If you feel your health insurance is too
expensive, or you have been denied insurance
due to a Pre-Existing Condition-(injury
or sickness). Then it’s time for you to
buckle down and sharpen your skills because
I’m here to ensure you that you can improve
your situation.
Steps to affordable insurance
• Check to see if you have a
state sponsored risk pool, these pools
help if you have been denied affordable
health coverage due to pre existing conditions.
State risk pool insurance plans can very
greatly for benefits, eligibility and funding.
These pools often help individuals fill
the gap in insurance coverage and can offer
a temporary stop while shopping and changing
insurers.
• Not all insurance providers are created
equal. Shop websites that provide multiple
quote comparisons from large pools of providers.
This will reveal different options for obtaining
affordable insurance based on your conditions
since different providers view various conditions
differently. Once you have found several
providers that will cover your condition,
compare the differences and conditions of
the policies to determine which is best
for you.
• Insurers often have delayed treatment
provisions (exclusion periods), which delay
treatment of pre-existing conditions for
anyone previously diagnosed. Delays are
usually 3, 6 or 12 months, in this case
it is important to leave your current policy
in place for this time frame while switching
providers, or find temporary filler like
a state sponsored risk pool.
• See if your employers sponsored group
health care plan will cover you.
• Join a professional organization like
your local Chamber of Commerce or other
community non-profit groups that may have
membership health plans.
• Purchase a discount health card. Discount
health cards are simply a means of letting
consumers—who pay a fee, usually monthly,
purchase health care products and services
from specific providers at discounted rates.
The good and the bad:
While it may not seam fair that your conditions
have caused you so much turmoil physically,
emotionally and financially, remember… Persistence
will provide, and one sure fact is that
the current insurance market is so large
and so competitive that if you put the time
in, you will almost certainly find a policy
that works for you. The best part is, you
can do it from the comfort of your own home,
shop multiple quote sites and be persistent!!!
We can get multiple insurance
quotes for anyone living
in any of the following
states, Alabama AL, Alaska
AK, Arizona AZ, Arkansas
AR, California CA, Colorado
CO, Connecticut CT, Delaware
DE, District of Columbia
DC, Florida FL, Georgia
GA, Hawaii H, Idaho ID,
Illinois IL, Indiana IN,
Iowa IA, Kansas KS, Kentucky
KY, Louisiana LA, Maine
ME, Maryland MD, Massachusetts
MA, Michigan MI, Minnesota
MN, Mississippi MS, Missouri
MO, Montana MT, Nebraska
NE, Nevada NV, New Hampshire
NH, New Jersey NJ, New Mexico
NM, New York NY, North Carolina
NC, North Dakota ND, Ohio
OH, Oklahoma OK, Oregon
OR, Pennsylvania PA, Rhode
Island RI, South Carolina,
South Dakota, Tennessee
TN, Texas TX, Utah UT, Vermont
VT, Virginia VA, Washington
WA, West Virginia WV, Wisconsin
WI, and Wyoming WY...
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Here's our picks for the 3 best
multiple quote sites:
