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Top Ten Things to Know if you have a Pre

Top Ten Things to Know if you have a Pre-existing Condition

If you have a pre-existing condition, there are a few things you should know about health insurance and what you can do to get a good policy.
#1 - How is a pre-existing condition defined?
Pre-existing conditions are illnesses, injuries, diseases, or other conditions requiring medical attention in your past. The “past” is a period of time, typically 6-18 months, where you were not covered by a medical insurance policy. If you had symptoms of an illness, disease, condition, or were injured during this period of time and sought medical treatment, your condition will be considered pre-existing.
#2 - How long are insurance companies allowed to look back?
This depends on a couple of factors. The first is company policy. Some insurance companies look back as long as 18 months, while others only look back as far as six months. The second factor is state law. Some states limit the amount of time an insurance company is allowed to look back. Considering these two factors, the amount of time that an insurance company can look back at your medical history for pre-existing conditions is typically anywhere from six months to 18 months.
#3 - What illnesses and injuries do not count as pre-existing conditions?
There are a few conditions and circumstances that cannot be excluded from coverage for a pre-existing condition:

  • Genetic information - if a person has a genetic indication that he or she is at higher risk for a certain disease (such as cancer), and he or she has no diagnosis of the disease, then the pre-existing condition exclusion cannot apply.
  • Newborns and adopted children - if a child is born or adopted and enrolled in a health care plan within 30 days from their birth or placement date, conditions he or she has cannot be considered pre-existing. The exception to this rule: if the child has had a significant gap in coverage (see #7), then he or she may fall into the pre-existing condition exclusion.
  • Pregnancy - if you are pregnant, you cannot be given the pre-existing condition exclusion, even if you weren’t covered by insurance prior to your current enrollment. There are some exceptions to this and you should contact us if you are pregnant and not insured to see how we can get you covered immediately.

These three provisions are part of the HIPAA laws — meaning that they cannot vary from state to state, nor insurance company to insurance company. This is a rule all companies must obey.
#4 - Wasn’t there a law that passed saying insurance companies can’t exclude pre-existing conditions?
Yes! However, the law does not go into effect until 2014 and that law does not put a cap on the price that these insurance companies can charge you. That means, that until the time the new laws begin, the pre-existing exclusion can remain in place. And when it does kick in, it may mean that you will be accepted to a plan but at the cost of a mortgage payment! So, for the next 1.5-2 years, your pre-existing conditions can still be excluded from health insurance policies. A few people are choosing to wait to get health insurance coverage because of this, but that can be a dangerous choice. There are options out there for people with pre-existing conditions, such as guaranteed issue health insurance (see #5) that are reasonable alternatives for people with pre-existing conditions.
#5 - Is guaranteed issue health insurance going to cover my pre-existing condition?
In a nutshell, yes. Guaranteed issue health insurance will cover pre-existing conditions. Some plans will make you wait for a certain amount of time before it is covered (see #9), and some will waive the graded period right away — depending upon the company. We can help you choose the best for you.
#6 - If you were not covered by health insurance seven months ago, can your condition that was treated still be considered a pre-existing condition?
That will depend upon a few factors:

  • How long the insurance company looks back. If the insurer only looks back six months, then no, your condition will not be considered as pre-existing. If they look back longer than that, then yes.
  • If the condition was treated during a significant gap in coverage, it will be considered pre-existing.
  • If the condition does not fall into the exceptions as outlined in #3.

Whether or not you will be considered as having a pre-existing condition will depend upon the company’s policies and your treatment during that time period.
#7 - What is considered a “significant gap in coverage,” and what can I do if I have one?
A significant gap in coverage (when speaking in terms of health insurance) means that you have not been covered by health insurance for 63 days or longer. If you are treated for any condition or illness during this time period, it can fall into the pre-existing condition exclusion.
If this has happened to you, you may want to consider getting a guaranteed issue health insurance policy, to make sure that your treatments are covered. You don’t have to go without coverage just because you’ve been treated in the past for a significant medical condition.
#8 - What are my options for insurance if I have a pre-existing condition?
The best option for insurance if you have a pre-existing condition and want private insurance is to apply for guaranteed issue health insurance. These policies cannot deny anyone who applies, and many have immediate pre-existing condition coverage (see #9).
#9 - What is a graded period in guaranteed issue health insurance?
A graded period, in the case of pre-existing conditions and health insurance, is any period of time where a pre-existing condition will not be covered or only partially covered. This period can last anywhere from zero to 12 months.
#10 - Is it possible to get a low rate with guaranteed issue health insurance?
Many major medical coverage companies want you to believe that you’ll pay outrageous rates for guaranteed issue health insurance policies. However, in many cases, this is not the case at all, and guaranteed issue health insurance is just as competitive as major medical in terms of price and coverage. Furthermore, if you can’t get your pre-existing condition covered by a major medical plan, then getting major medical would be pointless. With a guaranteed issue health insurance plan, you may either pay the same or slightly more, but your services would all be covered, comprehensively.
Don’t wait until 2014 to start shopping around for insurance. Start now by getting quotes with a guaranteed issue policy, and protect yourself now.

Medical savings health plan

Savings on Medical Health Plans

Though there are several health insurance plans or health card options available in the market these days, not every plan provides you a complete coverage. Majority of the insurance plans provide limited indemnity, which covers only 50% of the expenses. But with the increase in the rates of drugs and other essentials, you may not be able to afford even the remaining 50% of your medical expenses, which may include your drug bills, hospital expenses, the required test strips and syringe for your diabetic test, etc.

Savings on Medical Plans

A good medical savings health plan, when combined with the conventional guaranteed health insurance, could really be a boon for you. Such a plan would certainly keep your expenses for prescription drugs and doctor’s visits within affordable limits.

The Best Health Plan

It is easy for you to pick the right medical health plan when you understand what really a best health plan would offer you. Here are some pointers to keep in mind:

  • Coupled with a medical insurance plan, the best health plan can offer you huge savings on your medical expenses.
  • The best health plan offers huge discounts on prescription drugs, as well as expenses on health care assistance.

 

  • A guaranteed health plan provides you with instant coverage during any emergency situation.
  • Backed by contractual obligations with quality pharmacies and doctors, medical savings health plans let you enjoy up to 50% discount on doctor's visits and prescription drugs. This way, you no longer need to get bogged down by spiralling medical costs.

 

  • Such medical plans can also help you enjoy considerable savings on surgery costs, check-ups, hospital stays, blood tests, x-rays, and much more.

Pitfalls

Some dishonest merchants posing as real insurance agents or providers may lure unsuspecting people into buying medical savings health plans that provide non-realistic promises of discounts. Such scam plans often substitute non suitable generic drugs for branded drugs and do nothing more. So, you should beware of such medical heath plans that simply exchange one problem for another and don’t really help you manage your healthcare expenses.

Conclusion

Make an informed decision to select the most reliable and guaranteed health plan, which can help you save a lot on your medical bills.  

 

Choosing the right health insurance

Choosing the Right Health Insurance Stressfree

Too often one feels rushed into buying health insurance & end up choosing the wrong plan for them. Know the facts before making a selection.

 Health Insurance Companies

In today’s age of information overload where a deluge of private, public, and community programs are available to meet your healthcare coverage needs, it really becomes a daunting task to sift through all the available information and select the one that best suits your needs and budget. This is why finding affordable health insurance companies become important. Since no two plans are the same, you need to get a quote from multiple companies, compare the rates and other factors before selecting one.
Picture: Decision making” Finding Health Insurance can be very stressful”

Pitfalls of choosing in a hurry

In their hurry, people often end up choosing the first plan that they come across, or select plans that they later find doesn’t cover a sudden major medical expense. To avoid such pitfalls, you should invest in comprehensive and affordable health insurance from reputed health insurance companies. Remember – your health is your most important personal asset, and you shouldn’t leave yourself to the mercy of fate. 
 Steer clear of detrimental situations by seeking clear, professional advice from reliable and reputed insurers and agents of insurance companies. You can also opt for guaranteed health insurance plans that offer pre existing health insurance coverage in case your claim for a standard health insurance is denied.

Choosing the right insurance company: Things to know

Picture: Couple on computer “Finding Health Insurance should be a stress free task. Let us do the hard work”

In order to choose the right insurance company and the ideal health insurance plan, you should have adequate knowledge about:

  • Your rights and consumer protection
  • Available insurance choices (like PCIP - Pre-Existing Condition Insurance Plan, Young Adult Coverage, CO-OP Insurance Plans and Affordable Insurance Exchanges – the last two being about to start from 2014 under the Affordable Care Act)
  • Insurance costs
  • Tax credits and new programs available to organizations and businesses

Knowing about your choices as a consumer, and knowledge about rules and regulations that hold insurance companies accountable will help you select the right insurance company and affordable health insurance plans that meet your needs.

 

Top Ten Things to Know if you have a Pre

Top Ten Things to Know if you have a Pre-existing Condition

If you have a pre-existing condition, there are a few things you should know about health insurance and what you can do to get a good policy.
#1 - How is a pre-existing condition defined?
Pre-existing conditions are illnesses, injuries, diseases, or other conditions requiring medical attention in your past. The “past” is a period of time, typically 6-18 months, where you were not covered by a medical insurance policy. If you had symptoms of an illness, disease, condition, or were injured during this period of time and sought medical treatment, your condition will be considered pre-existing.
#2 - How long are insurance companies allowed to look back?
This depends on a couple of factors. The first is company policy. Some insurance companies look back as long as 18 months, while others only look back as far as six months. The second factor is state law. Some states limit the amount of time an insurance company is allowed to look back. Considering these two factors, the amount of time that an insurance company can look back at your medical history for pre-existing conditions is typically anywhere from six months to 18 months.
#3 - What illnesses and injuries do not count as pre-existing conditions?
There are a few conditions and circumstances that cannot be excluded from coverage for a pre-existing condition:

  • Genetic information - if a person has a genetic indication that he or she is at higher risk for a certain disease (such as cancer), and he or she has no diagnosis of the disease, then the pre-existing condition exclusion cannot apply.
  • Newborns and adopted children - if a child is born or adopted and enrolled in a health care plan within 30 days from their birth or placement date, conditions he or she has cannot be considered pre-existing. The exception to this rule: if the child has had a significant gap in coverage (see #7), then he or she may fall into the pre-existing condition exclusion.
  • Pregnancy - if you are pregnant, you cannot be given the pre-existing condition exclusion, even if you weren’t covered by insurance prior to your current enrollment. There are some exceptions to this and you should contact us if you are pregnant and not insured to see how we can get you covered immediately.

These three provisions are part of the HIPAA laws — meaning that they cannot vary from state to state, nor insurance company to insurance company. This is a rule all companies must obey.
#4 - Wasn’t there a law that passed saying insurance companies can’t exclude pre-existing conditions?
Yes! However, the law does not go into effect until 2014 and that law does not put a cap on the price that these insurance companies can charge you. That means, that until the time the new laws begin, the pre-existing exclusion can remain in place. And when it does kick in, it may mean that you will be accepted to a plan but at the cost of a mortgage payment! So, for the next 1.5-2 years, your pre-existing conditions can still be excluded from health insurance policies. A few people are choosing to wait to get health insurance coverage because of this, but that can be a dangerous choice. There are options out there for people with pre-existing conditions, such as guaranteed issue health insurance (see #5) that are reasonable alternatives for people with pre-existing conditions.
#5 - Is guaranteed issue health insurance going to cover my pre-existing condition?
In a nutshell, yes. Guaranteed issue health insurance will cover pre-existing conditions. Some plans will make you wait for a certain amount of time before it is covered (see #9), and some will waive the graded period right away — depending upon the company. We can help you choose the best for you.
#6 - If you were not covered by health insurance seven months ago, can your condition that was treated still be considered a pre-existing condition?
That will depend upon a few factors:

  • How long the insurance company looks back. If the insurer only looks back six months, then no, your condition will not be considered as pre-existing. If they look back longer than that, then yes.
  • If the condition was treated during a significant gap in coverage, it will be considered pre-existing.
  • If the condition does not fall into the exceptions as outlined in #3.

Whether or not you will be considered as having a pre-existing condition will depend upon the company’s policies and your treatment during that time period.
#7 - What is considered a “significant gap in coverage,” and what can I do if I have one?
A significant gap in coverage (when speaking in terms of health insurance) means that you have not been covered by health insurance for 63 days or longer. If you are treated for any condition or illness during this time period, it can fall into the pre-existing condition exclusion.
If this has happened to you, you may want to consider getting a guaranteed issue health insurance policy, to make sure that your treatments are covered. You don’t have to go without coverage just because you’ve been treated in the past for a significant medical condition.
#8 - What are my options for insurance if I have a pre-existing condition?
The best option for insurance if you have a pre-existing condition and want private insurance is to apply for guaranteed issue health insurance. These policies cannot deny anyone who applies, and many have immediate pre-existing condition coverage (see #9).
#9 - What is a graded period in guaranteed issue health insurance?
A graded period, in the case of pre-existing conditions and health insurance, is any period of time where a pre-existing condition will not be covered or only partially covered. This period can last anywhere from zero to 12 months.
#10 - Is it possible to get a low rate with guaranteed issue health insurance?
Many major medical coverage companies want you to believe that you’ll pay outrageous rates for guaranteed issue health insurance policies. However, in many cases, this is not the case at all, and guaranteed issue health insurance is just as competitive as major medical in terms of price and coverage. Furthermore, if you can’t get your pre-existing condition covered by a major medical plan, then getting major medical would be pointless. With a guaranteed issue health insurance plan, you may either pay the same or slightly more, but your services would all be covered, comprehensively.
Don’t wait until 2014 to start shopping around for insurance. Start now by getting quotes with a guaranteed issue policy, and protect yourself now.

Medical savings health plan

Savings on Medical Health Plans

Though there are several health insurance plans or health card options available in the market these days, not every plan provides you a complete coverage. Majority of the insurance plans provide limited indemnity, which covers only 50% of the expenses. But with the increase in the rates of drugs and other essentials, you may not be able to afford even the remaining 50% of your medical expenses, which may include your drug bills, hospital expenses, the required test strips and syringe for your diabetic test, etc.

Savings on Medical Plans

A good medical savings health plan, when combined with the conventional guaranteed health insurance, could really be a boon for you. Such a plan would certainly keep your expenses for prescription drugs and doctor’s visits within affordable limits.

The Best Health Plan

It is easy for you to pick the right medical health plan when you understand what really a best health plan would offer you. Here are some pointers to keep in mind:

  • Coupled with a medical insurance plan, the best health plan can offer you huge savings on your medical expenses.
  • The best health plan offers huge discounts on prescription drugs, as well as expenses on health care assistance.

 

  • A guaranteed health plan provides you with instant coverage during any emergency situation.
  • Backed by contractual obligations with quality pharmacies and doctors, medical savings health plans let you enjoy up to 50% discount on doctor's visits and prescription drugs. This way, you no longer need to get bogged down by spiralling medical costs.

 

  • Such medical plans can also help you enjoy considerable savings on surgery costs, check-ups, hospital stays, blood tests, x-rays, and much more.

Pitfalls

Some dishonest merchants posing as real insurance agents or providers may lure unsuspecting people into buying medical savings health plans that provide non-realistic promises of discounts. Such scam plans often substitute non suitable generic drugs for branded drugs and do nothing more. So, you should beware of such medical heath plans that simply exchange one problem for another and don’t really help you manage your healthcare expenses.

Conclusion

Make an informed decision to select the most reliable and guaranteed health plan, which can help you save a lot on your medical bills.  

 

Choosing the right health insurance

Choosing the Right Health Insurance Stressfree

Too often one feels rushed into buying health insurance & end up choosing the wrong plan for them. Know the facts before making a selection.

 Health Insurance Companies

In today’s age of information overload where a deluge of private, public, and community programs are available to meet your healthcare coverage needs, it really becomes a daunting task to sift through all the available information and select the one that best suits your needs and budget. This is why finding affordable health insurance companies become important. Since no two plans are the same, you need to get a quote from multiple companies, compare the rates and other factors before selecting one.
Picture: Decision making” Finding Health Insurance can be very stressful”

Pitfalls of choosing in a hurry

In their hurry, people often end up choosing the first plan that they come across, or select plans that they later find doesn’t cover a sudden major medical expense. To avoid such pitfalls, you should invest in comprehensive and affordable health insurance from reputed health insurance companies. Remember – your health is your most important personal asset, and you shouldn’t leave yourself to the mercy of fate. 
 Steer clear of detrimental situations by seeking clear, professional advice from reliable and reputed insurers and agents of insurance companies. You can also opt for guaranteed health insurance plans that offer pre existing health insurance coverage in case your claim for a standard health insurance is denied.

Choosing the right insurance company: Things to know

Picture: Couple on computer “Finding Health Insurance should be a stress free task. Let us do the hard work”

In order to choose the right insurance company and the ideal health insurance plan, you should have adequate knowledge about:

  • Your rights and consumer protection
  • Available insurance choices (like PCIP - Pre-Existing Condition Insurance Plan, Young Adult Coverage, CO-OP Insurance Plans and Affordable Insurance Exchanges – the last two being about to start from 2014 under the Affordable Care Act)
  • Insurance costs
  • Tax credits and new programs available to organizations and businesses

Knowing about your choices as a consumer, and knowledge about rules and regulations that hold insurance companies accountable will help you select the right insurance company and affordable health insurance plans that meet your needs.