Can I get coverage with an pre-existing condition?
We all know someone whether its family, friends, or the people we care so much about that goes through a whole lot of pain and headaches when it come to dealing with getting coverage with an insurance company if you have a pre-exisiting condition. Do we understand what is a pre-exsiting condition, and the problems it may cause you and the insurance companies. If you don't understand let me explain it to you and what you have to deal with, and see if you are able to get medical coverage.
A pre-existing condition is a phrase that can make both health insurance companies and those applying for insurance cringe. Because a person with a pre-existing condition can cost an insurance company millions, it is in their best interest to exclude those who have them. Simply defined, a pre-existing condition is any sickness or injury, or any complication there from which is present or manifest itself, or for which medical care, treatment, advice or consultation was rendered to a covered person with the 12 months period before your first day of coverage on a new plan. Different companies put a time limit on what is considered a pe-exisitng condition.
Technically, any medical condition that you have prior to your application for health insurance with a given company can be considered a pre-existing condition, if you have been to a doctor about a sore knee, even though it was 2 years ago and even though you received no treatment whatsoever, an insurance company could consider that a pre-exisiting condition.
Different companies put a time limit on what is considered a pe-exisitng condition. Having this condition does not mean that your insurance rates will be higher, but if the pre-existing conditions fit into a company's definition for such, it may mean that those conditions will not be covered by your insurance. Before you buy insurance get information on the "Pre-Exisiting Condition" clause, or otherwise you may think some medical problem will be covered even though it is clearly excluded from the insurance policy because it is a pre-existing condition.
Now we've define what a pre-exisitng conditions is, the question remains: How is a condition like this going to affect my insurance coverage? There is no definite answer, some conditions will not affect your medical coverage at all, but others could keep you from having insurance coverage for that condition for up to a year. When an insurance company applies a pre-exisitng condition exclusion it can limit or exclude coverage for the condition.
Many people are perplexed because insurance companies won't cover pre-exisiting conditions. This is an area where all health insurance companies are very particular about, this is the reasons for medical underwriting. Medical underwriting is no more than a process to determine if you are an insurable risk, the people who do the research and make the decisions about your insurability are called underwriters.
Insurance companies know that if they cover all pre-existing conditions they won't be in business very long. If a company says that they will cover all of your pre-existing conditions, beware of that company they won't be around long. As a rule the companies with the tightest medical underwriting guidelines have the best rates and are the best companies to cover you for medical insurance.
Please pass this information on to your friends, family, and the ones you care so much about.
