Get Health Insurance : Individual Coverage with Pre-Existing Conditions

Having a pre-existing medical condition doesn’t necessarily meant that you can’t get health insurance coverage. Your options may be limited by this fact, but it is still possible to get some coverage. You should know that it is required by law to report all conditions, or at least required by the provider. If you lie about a condition and they find out you have it, they could potentially terminate all coverage and still keep the money you have paid the. To get health insurance coverage when you have a pre-existing condition it is highly recommended that you talk with a professional like an insurance broker who can work on your behalf to get you the coverage you really need.

Don’t Ever Get Discouraged By Being Denied

Even if you are turned down one or more times you should continue your search of a policy. Many companies will automatically deny you, while others will consider covering you even with a pre-existing condition. There is a more than likely probability that even if you are offered coverage it will be limited and expensive. IF that is the case you will have to determine if the policy is going to be cost effective. Some policies may cover most everything except for the problem you currently have. Ultimately you will have to make a decision about what is right for you, but some coverage has got to be better than none.

Look Into Public Options As Well

If you have disability it should be easy for you to get covered in the public sector. They are less likely to deny you if you can legally prove that you need help. Dealing with private companies to get health insurance when you have a pre-existing condition can be a nightmare at best. Just remember that eventually you will find something that at least offers some form of coverage. The world is a difficult place and driven by money, but there are options for everybody, even if you already have some sort of illness.

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