One common phrase that you may have heard when researching your options for health insurance is “pre-existing conditions.” The term can be a bit confusing to understand and intimidating. But we are here to help clear up some of the confusion and help you find the best coverage for your needs.
What Is A Pre-Existing Condition?
A pre-existing condition refers to any medical ailment or injury you have before you sign up for medical insurance.
What Are Some Examples Of Pre-Existing Conditions?
Pre-existing conditions can include things like diabetes, lupus, heart disease, cancer, asthma, sleep apnea, and anxiety/depression.
Are Pre-Existing Conditions The Same With All Insurance Carriers?
Different carriers can have different rules and interpretations of what a pre-existing condition is. For example, some companies may consider acne a pre-existing condition while another company may not. As a result, it’s important to do your research and speak with an insurance agent to discuss your options.
If I Have A Pre-Existing Condition, Am I Out Of Options For Health Insurance?
Not at all! It is no longer about whether you can get insurance, but more about what coverage is best for you based on your treatment plan and needs. Insurance providers cannot deny you coverage or raise rates for your coverage because of your condition.
Final Thoughts
At the end of the day, no matter what you are facing health-wise, you are deserving of proper health coverage just like anyone else. If you are searching for affordable health coverage, don’t hesitate to reach out to your local insurance experts for guidance.
