Pre-Existing Health Insurance – Do you Know your Options?

If you’re someone looking for a health insurance and you have a medical problem things are not looking as good as its for others. Looks like the health insurance companies think its okay not to provide you with coverage if you have a preexisting health condition. But the good news is that with the law on your side, things could have a better picture around September.

It looks like if you have a pre-existing health condition the legislation might help you. If you’ve been in a job for over 12 months that covered you with a health insurance plan ( or Medicaid, individual policy, Medicare, or a Public health plan), the exclusion against preexisting conditions won’t apply if you get a new group policy when you change jobs or something. Let’s use this for example, say you got medical advice, treatment or some kind of care for a problem 3 months ago, and you had insurance for 12 months or more before that, the new insurer CANNOT exclude you from obtaining insurance for that condition (HIPAA is the reason why the exclusion does not apply)

Do I have a preexisting health problem?

Common Pre-Existing Conditons:

Depression, arthritis, pregnancy, fibromyalgia, diabetes, and obesity. Each insurance company will combine their own list of what they consider pre-existing problem. They seem to have their own standards for these conditions.

There are always options to get health coverage. You will find that most states have something called high risk insurance pools for people with this situation. So find out more about it if you need to.

If you’re currently unsure about having preexisting condition, find out before you apply for a policy or plan. Then compare the best rates here. You’ll find the best insurance quotes from top insurers fast and easy.

For more information about insurance leaves comments below. Health Insurance First wants to provide the best help for you. Times are tough and the goal here is to help you find an insurance premium that you can afford, so you can stay healthy and have peace of mind. No one deserves  to be paying so much if they have any sort of health insurance problem, and any insurer that denies coverage for because of a preexisting condition, should feel ashamed. We hope that this article was of great help, but we need your help to provide you with the information that you’re looking for.

For more about the types of plans available, go to Pre-Existing Health Insurance

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Getting Health Insurance with Pre Existing Conditions

The situation with the health insurance issues is really hard for everyone, but particularly for those with preexisting health conditions, because there’s so many people getting rejected for coverage.

In Ohio the search for pre-existing health insurance is on the rise, and in other states like New York. Pretty much anywhere from the east and west coast. Recently it’s been debated whether pregnancy can be included as a medical issue from the past. And whether people should receive coverage for it.

For people that are losing jobs everyday, but find a new job and had a medical issue before may have to wait to receive coverage for that preexisting condition. It seems like the insurers don’t want to pay for the coverage. And people can’t simply pay for the high costs of paying for treatments, because of the economy. But hopefully with this new Health Care Reform things change a little.

For people in Ohio getting preexisting coverage is much easier to find affordable health insurance than those in NY or California. Because of the gap in the costs for insurance it has lead to debates in both east and west parts of the country.

What American health insurance companies should try to do, is find a way to offer coverage to those with preexisting health conditions and make it affordable like other countries have. Then maybe we could find a solution to this crisis.

The point is that you still need to figure out a way to get a health carrier even if you have a pre-existing health condition fast. If you, all of a sudden get diagnosed with a major disease you don’t want to put yourself in a position where you can’t pay for treatments.

There is options if you look around on the web. If you do some research as you are doing right now you can find a premium that’s affordable for your situation. Don’t worry if you have a preexisting health condition.

If you’re a person that needs a health policy now than, your best way to get one that is easy to get and fast to apply for you should do it online.

For more  information on finding preexisting health insurance, you should visit health insurance first for more information. It’s the easiest and quickest way to find what you’re looking for.

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How to Get Health Insurance with Preexisting Conditions

One of the most expensive monthly bills is our health insurance bills. And getting health insurance if you have a preexisting condition is a very hard thing to do in these times. There are hundreds of millions of people looking for coverage to save more money on their premiums.

But unfortunately, when an individual person has had issues with their health in the past it can make it hard to find a health policy that is cheaper with another insurer.

Obtaining health insurance when you have a preexisting condition is one of the most exhausting things an individual can do, because they tend to just run into rejection a lot.

But it seems that this is all about to change soon. With the new Health Care Reform, it looks like getting individual health insurance is going to make it easier for individuals with preexisting conditions to get coverage. Which is awesome news for everyone in America, specially those without insurance.

The law is going to insure that these health insurers, provide health care even if an individual has had any medical problems in the past. Hopefully it all workouts great and it health those people that are frustrated and tired of getting rejected for insurance, because they have preexisting problems.

Still, it’s up to you the person to buy a policy that provides you with coverage and for that you have to shop around online.

In some cases, some a company will let you get health insurance, even if you have a pre-existing condition, but, they’ll have their own standards to what they consider a pre-existing condition. It’s your job to figure out if what your medical problem is indeed in their policy and whether you’ll actually receive coverage for this condition. Don’t be surprised if you have to wait for a year or so to get coverage for your pre- existing condition.

“Other policies will also insure you but, also charge you more on your premiums. This can be very very expensive.”

That’s why its a good idea to look online for options. Getting health insurance is not an easy task if you have a pre-existing health condition. Or even if you don’t have one, the process can be as easy as 1-2-3 if you don’t have any medical problems.

What you need is, an online website that lets you search for a variety of companies. This way its much easier to see what every insurer is offering you at once, and which one is giving you the cheapest quote for insurance. Make sure they are the same coverage before you pick the lowest cost plan.

It’s simply the fastest and easiest way to get health insurance when you have a preexisting condition.

Discover how to get insured for pre-existing conditions and the best way how to get cheap health insurance NOW!

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Buying Individual Health Insurance – What you Should Know

health insurance for individualsA friend once said that when buying individual health insurance, prevention is better than reaction.

Because there’s literally millions of people that work for themselves in this day in age, that are having trouble purchasing health policies. You might know that the economy left so many people unemployed, which has made them stretch their money even more. Which is turn has made people think twice about getting health insurance.

Of course getting an individual health plan has it pros and cons at the same time. Say you have a job for example, you could be getting coverage from your employer. Your job pays for the monthly premium. But if you work for yourself or simply lost your job, its not that simple. Applying for insurance means you have to add more to the tiny budget that you are already limited to.

Insurance plans vary, whether you get one at work or you buy your own. Sometimes they are lower, others are higher. It all comes down to the one you get and the needs you have. The high out-of-pocket like, co-insurance, co-pays, and deductibles have the lower premiums. In contrast, the ones with low out-of-pocket costs have the higher premiums.

If you get an HMO it will cost you lower, because of its limitations. Like for example going to the networks physicians, hospitals, etc…But it could cause you more for the medical coverage for the family.

Three things to Ask Before you Buy Individual Health Insurance:

What is your age? The older you are the more expensive it is to have a private health plan. Obviously because you’re more likely to get sick and have frequent illnesses.

What is the risk of my job? Do I do construction?, that’s dangerous. Are there hazardous chemicals that I could get hurt with at work? The more risk the more coverage and needs that you require.

Do I have a pre-existing health condition? It isn’t hard finding cost effective individual health insurance. It all comes down to understanding what you need and figuring out what fits in your budget. With good research you can find the health plan that you need. More people are starting to use the internet.

A simple solution to finding exactly an private policy that you need is to use the comparison websites that put together all the prices and companies in one place. This saves you time and hassle (dealing with salesman) and you have peace of mind because you know you picked the best plan.

For more information and to get your quote today, visit they have all the best comparisons from well trusted websites. In just 10 minutes you can get an individual health insurance quote for under $50. Go Now before you get sick!

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Coverage for those That Do Not get Employer Benefits – Individual Health Insurance

individual health insuranceIn the U.S, close to 60 percent of the people get their coverage through their jobs. And close to the remaining get some kind of a government health care plan (Military, Medicaid, or Medicare). And the rest, self-employed and people that don’t get insurance through their employers buy individual health insurance plans.

If you’re here, there’s a good chance that you’re looking for an individual health insurance plan that you can afford.

Qualifying for a group plan by some employer is definitely easier than getting individual coverage; plans are underwritten individually, so the insurer will analyze your health history to the first day you were born.

If you don’t know this, insurance companies are meant to do one thing. That is make a ton of money. They expect you to end up paying more through premiums than what you will claim in medical care. Sometimes they may refuse you (that’s going to change soon) if you have pre-existing conditions or just put a rider on the plan, that doesn’t pay for that condition (how nice of them, don’t you think?). That’s why if you don’t have a medical condition right now it’s best you apply for a health insurance plan before you have any medical problems.

By getting a group plan it makes it easier to qualify due to the risk is spread throughout the family members and not just one person. If the group is too small a big illness can skyrocket the premiums for all of the people in the policy.

Telling the truth Pays.

The first time you go to get coverage, you have to make sure you say everything that you’ve had wrong with your health, even if its just a tiny little issue that you had. By not doing so, you can become a victim of something called a rescission. If they find out about something that you have not told them they can cancel your policy even when you might be needing it the most.

Sometimes an agent will try to delete your health history, trying to help you, don’t trust this. It actually hurts you that’s why its better to just get a quote on your own online. The agent is just trying to make a sale.

Are you aware of what products you need – then just buy those.

It sounds simple, but you need a health insurance plan. Did you know that over 50% of the bankruptcies are due to medical bills? You don’t want to be a victim of this. Businesses have been lost because of this too.

Close to 200,000 people have died in the last 5 years due to not having health insurance.

Taking the next step…

There are little options available to people that are self-employed that are trying to get individual health insurance, because of these companies that are driven by money and the pre-existing denials. But you still find options. With the new laws thing could change in September 2010.

Options that some are not aware of are…

Calculating the risk of how much debt you can handle if an illness came up. By having a high deductible policy. Pay for your normal bills and only use the insurance for a big illness.

What some spouses of self-employed people are doing is taking a job in a company that gives them and their families health insurance.

At you safe time finding the individual health insurance plan that people really NEED. They offer premiums as low as $50 in just 10 minutes. Visit Now to get the individual health insurance plan that fits you best.

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Individual Health Insurance: What are your Options?

Are you wondering what are your individual health insurance options? You’re at the right place. Keep on reading

If you’re a professional that has been out of work for over a year, and you have COBRA insurance you might be starting to worry. Since it only last 18 months it is something that most unemployed people get worried about.

Here is the thing…

If you don’t get a job soon or get a job without health benefits you might need to start looking for an individual health insurance plan. If you expect to get all the benefits you had before, then think again. You may or may not qualify for certain options in certain states. If you want a comprehensive policy you’re going to have to do some research.

Options that you may have…

You can check, it’s the best online health quote on the internet. Also look into Consumer Directed Health Plans like Health Savings Account (HSA). HSA’s work great with work with a high deductible plans and give you more options over your healthcare insurer and also how you pay. You get control over which doctors you visit and your entire individual health insurance plan. More and more people are beginning to use these health insurance plans now, and more jobs are giving them as well.

High Risk Pools are always the last option that you have,  typically for people that have been denied any kind of insurance policy. As you might already know the cons about this plan are the high costs and below standards coverage. If you don’t have any other options this is your answer.

Two Extra Tips to Remember…

  • Be honest if you’ve ever had any big medical problems before.  You don’t want to be trapped in a rescission.
  • Get the products you only need – get it for sure. It is essential to have insurance for you and the family.

Start searching online for quotes, there are many online insurance quote websites that you can trust which may help you. Make sure you do check with different companies before you choose one health plan. The best way is to use a comparison website to give you all the information in one spot so you don’t have to visit 10 or 15 companies because that’s to time consuming and confusing. They make it easy to find individual health insurance in 10 minutes for under $50. Visit Now for more information.

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Health Insurance Blog – Best Advice on the Web

Welcome to Health Insurance First. The Health Insurance Advice on the web. You will find everything you need here. Don’t forget to get a quote if you haven’t yet. Insurance is the number one priority.

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