Did you know that up to one in five non-elderly Americans that have a pre-existing condition are uninsured?
If you are someone who doesn’t think they can afford insurance because of a medical condition, you are not alone. However, health insurance with a pre-existing condition can be affordable.
Read this guide to learn about the possibility of getting health insurance with pre-existing conditions.
What Are Pre-Existing Conditions?
A pre-existing condition is a medical condition that happened before the start of a health insurance policy. This could be any health problem that has occurred, but health insurance companies will decide what is considered a pre-existing condition on their policy.
Under Obamacare, otherwise known as the Affordable Care Act, health insurance with pre-existing conditions can be covered. Common examples of pre-existing conditions include:
- AIDS/HIV
- Cancer
- Stroke
- Pregnancy
- Lupus
- Paralysis
- Sleep apnea
- Diabetes
- Cerebral palsy
- Depression or other mental health problems
- Gener dysphoria
- Hemophilia
- Paraplegia
- Heart disease
- Coronary artery
- Bypass surgery
- Obesity
- Pending hospitalization or surgery
A pre-existing health condition policy could also include less common conditions like acne, high blood pressure, menstrual irregularities, and tonsillitis. These are health issues that may qualify depending on the provider.
Are Pre-Existing Conditions Still Covered?
Health insurance for people with health conditions is possible to obtain. Insurance companies cannot deny people coverage even if they have a pre-existing condition.
There are different types of health insurance policies, but each of them must cover essential health benefits. Insurers cannot refuse to provide you with these benefits due to a pre-existing condition. Also, it is illegal to charge a patient more because of their health issues.
Pre-existing conditions health insurance cannot be taken away from you. However, due to a pre-existing condition, other types of insurance may not be available. For example, it could be harder to receive disability insurance and life insurance.
The Affordable Care Act
The Affordable Care Act made it possible for Americans to afford health insurance easier. This health insurance for patients guarantees coverage for pre-existing conditions. This applies to health plans that patients enrolled in on or after January of 2014.
Before the Affordable Care Act, you could be rejected for having pre-existing conditions. Even minor conditions could lead to a denial or increase in coverage costs. Health insurance with pre-existing conditions is possible because of Obamacare.
To combat this issue, those with pre-existing conditions had to enroll in a health program designed for people who were rejected because of a medical condition. This coverage ended when Obamacare protections came into play.
There are also cases of grandfathered plans. These are plans that began on or before March of 2010. These plans are not able to benefit from the Affordable Care Act.
If you applied for a plan before March in 2010, your insurer has control of the policy. This means they can cancel it or raise the costs of premiums because of pre-existing medical conditions.
Get Health Insurance With Pre-Existing Conditions
Getting health insurance with pre-existing conditions is possible. Because of the Affordable Care Act, you can enjoy health insurance without worrying about paying extra.
For help with finding health insurance, you can afford even with pre-existing conditions, contact us today.