Pre-Existing Condition Health Insurance Options

By Kyle Fitzsimmons, InsuranceAgents.com Staff Writer

Those With Pre-Existing Conditions Can Get Coverage

Nobody's perfect. In fact, a lot of Americans struggle with some kind of debilitating illness or other condition that requires medical attention of some sort. For those young individuals that are on their parents' health insurance policy, coverage is not an obstacle but those who have outgrown their dependent status will find that locating quality health insurance to cover their medical needs is a difficult task. Unfortunately, the insurance industry is a business like any other and like any other business their primary goal is turning a profit and insuring those with certain pre-existing conditions just isn't good business.  Compare policies and rates free, now.

But that doesn't mean everyone with a pre-existing condition is doomed. An important step in obtaining quality health insurance is to compare health insurance quotes online. But first, take a quick look at the following:

Tips on Finding Health Insurance if You Have a Pre-Existing Condition

• Inquire about "group of one" - Health insurance companies cannot deny coverage for pre-existing conditions if you're a part of a group health insurance policy such as an employer policy. But if an employer policy isn't an option for you then look into being a group all by yourself for insurance purposes. This is only available in a dozen or so states but if your state allows it then it is an attractive option.
• Look into a "high-risk pool" - This is offered in about thirty states and is designed to provide affordable insurance for those with pre-existing conditions.
• COBRA if you've been laid off - If your state is exempt from the high-risk pool and group of one options then your next best bet might be the reliable, albeit expensive, COBRA program.
• Apply for new insurance immediately after you've been laid off - The details vary from state to state but insurance companies must accept anyone who has been laid off and lost their employer policy. You must apply for new insurance within 63 days of being laid off.
• Inquire about professional organization group insurance - If your specific employer does not offer a group policy then look into professional organizations for your profession because some actually offer group policy health insurance.
  

Pre-Existing Condition Health Insurance Attainable

Talk to a health insurance agent today about your options regarding affordable and extensive health insurance coverage. You do not want to be left in the dark without coverage at the time you need it most so health insurance or healthcare of some kind is all but required for you and many other Americans like you.

Published: Monday 23rd November 2009