A Pre-existing Condition & the Benefits of Insurance
The difficulty of rising health care costs, high-blood pressure and diabetes is becoming a terrible problem for many Americans, since most don't have health insurance coverage. Further more whenever they approach an insurance company for health insurance, they are turned down on grounds of having preexisting conditions.
Preexisting conditions are health conditions for which you have received treatment in the past or are receiving treatment presently. Preexisting conditions include diabetes, heart disease, high-blood pressure, and even asthma. Each insurer has its own rules and regulations to determine their own criteria for preexisting conditions. Some of the insurance companies allow complete coverage after a waiting period and some deny coverage from the start.
Having a preexisting condition puts you at a higher risk for being uninsurable.
HIPAA or the Helath Insurance Portability and Accountability Act of 1996 (HIPAA) determined that health insurance carriers may or may not cover preexisting conditions. HIPAA defines preexisting conditions as a physical or mental condition for which medical advice diagnosis care or treatment was recommended or received within a six month period ending on the enrollment date.
Insurance companies can exclude people who previously have had insurance coverage. The insurers can also exclude people who have been without coverage for 63 days.
Acceptance by the applicant to the health insurance policy does not guarantee that full coverage is granted right away. Typically, the insured has to endure an exclusion period of 12 months maximum following enrollment.
This means that if you have enrolled for a medical insurance on first day of August, 2006 and did not receive any treatment for preexisting condition between the first day of February, 2006 to thirty-first day of July, 2006, you will have to wait for a period of 12 months from the date of enrollment.
Commencement coverage for that condition happens on the first day of August 2006.
Millions of Americans are in constant search for health insurance that will accept them despite there existing medical condition. And we are here to help you get the coverage you deserve at a price you can afford.
Health insurances that not HIPAA compliant, do not provide the insured with real insurance coverage, or peace of mind. These health plans have no contractual backing for a regulated insurer. They also unfortunately provide a false sense of security, and generally are worse than having no insurance at all.
So beware of faulty preexisting condition health insurance plans. They will only charge you money and provide very little, to no benefit at all.
Visit health-insurance with existing-conditions for really nifty preexisting condition health insurance plans.
The insurers we have selected for our clients promise and deliver health insurance plans that accept all applicants regardless of preexisting conditions.
This means a guaranteed issue health insurance policy for people who cannot qualify for any other insurances due to existing illnesses is our specialty.
We welcome you with open arms to enjoy benefits from our unique health insurance that accepts you for who you are, and recognizes everyones need for quality health care regardless of the situation they're in. Our insurance is real health insurance that provides PPO network re-pricing which will provide you and your family with huge savings.
Promises made are promises kept and we never refuse health insurance to anyone.
Visit health-insurance for preexisting-condition for details of our real health insurance plan where a preexisting condition does not mean disqualification. Or just get a free quote
