subject: About Pre-Existing Conditions [print this page] About Pre-Existing Conditions About Pre-Existing Conditions
Individuals suffering and living with pre-existing medical health care conditions have a difficult time with health insurance coverage. People who already have a good insurance carrier does a lot better than those who are still looking for a good one.
This is applicable to grown-ups and kids. For individuals who are employed, they don't have to worry about this because they have access to health care through their employer-sponsored health policies. Other individuals will have to do some research and they must also expect to be hit with a waiting period of up to eighteen months.
You can start your quest by contacting all the insurance companies you can reach by phone or in the web. Pre-existing conditions as defined by most health insurance providers is a chronic condition that existed and you have been treated for in the prior six months.
Some pre-existing conditions are life long and that can be a problem when searching for a new health insurance provider. This is a list of common pre-existing conditions that medical care companies are watching out for.
1. Pregnancy, obesity, and diabetes
2. Arthritis, depression, and fibromyalgia
3. Asthma, Thyroid disease, and high blood pressure
4. Cancer, back difficulties, and Lupus disease
5. High cholesterol, and acne
Insurers know that some pre-existing conditions remain as is while some run the risk of developming into a more serious case. A lot of people have illnesses that keeps them a hair line away from being considered as having a pre-existing condition. This is the insurers' way of sorting through those who need constant medical attention from those who can be cnsodered healthier.
Medical companies should be more understanding to people who don't have a job because they won't have the resource to maintain a health plan. Aside from this they also have to worry about food, rent, bills or mortgage.
Medical providers deal with pre-existing conditions in two ways. Either through a rate up or what they call addendum rider. A rate up means that there will be an additional charge in addition to the premium. A Rider addendum on the other hand is a waiting period that is added to your policy like for example a 12-month period or a twenty-four month period.
