Health Insurance For Existing Conditions 

The Insurance Company agent glanced through the medical reports and pushed it back to Mr. Scott Davis with a solemn face. "I am really sorry Mr. Davis! You are uninsurable due to the pre-existing condition. We cannot provide you health insurance due to such a pre-existing condition", he said.

Qualifying for a plan having retired early and having just turned 61. Mr. Davis did not yet qualify for Medicare Part D or a Medicare supplemental insurance plan. He had owned and operated his own tobacco shop at the outskirts of town.

Modest income was not enough to meet the rising health care expenses. To solve this problem Mr. Davis was trying to purchase health insurance. Unfortunately, he was suffering from cirrhosis of the liver. According to the terms and conditions of most health insurance policies, this was a pre-existing condition making the client uninsurable. Mr. Davis was uninsurable.

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Compounding medical problems, these plans unfortunately provide no benefits at all. Such health insurance plans are no better than having no insurance at all. These plans impose hidden administrative charges on unsuspecting customers which exacerbates their medical problems, expenses and frustrations.

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