If you have received medical care for a long term condition in the past six months and were not covered by a health insurance plan, your new insurance company has the option to not cover treatment for your medical condition.
This can be frustrating for an individual who needs care for something like adult onset diabetes, or might have just been told by your doctor that the pain in your chest is connected to early warning symptoms of a heart attack and not only do you need to change your lifestyle, but you also need to be taking four different medicines to control it.
Pregnancy used to be a preexisting condition health insurance could deny coverage for a woman having. However, even though there are now waiting periods that exceed the limits of a woman's pregnancy that effectively accomplish the same thing.
Not being able to receive prenatal care in the beginning of pregnancy puts both mother and baby at risk for complications that can lead to expensive hospitalizations and possible birth defects.
How does having insurance provide medical care when you need it if you already know that you have a preexisting condition and need care now, not in 12 or 18 months? There are many providers that offer preexisting condition insurance.
This insurance if usually more expensive than it is with the preexisting conditions excluded, but if you have to have care for a condition like schizophrenia or bi-polar condition, the cost of the health insurance might be the best option you have.
A final resort for many individuals who have lost their health care coverage and do not make enough money to pay for the premiums associated with preexisting health insurance is to apply for Medicaid through their state.
While most Americans never want to use Medicaid, the truth of the matter is that socialized medicine in other countries offers a system like Medicaid for their citizens.
Yes, the government of the United States probably should not be in the welfare business, but should the health coverage companies be a for profit enterprise that sucks dry the people who they are supposed to be providing care for and then dens them care and coverage when they run out of money to pay?
It is not a matter of if but when the system changes. In the meantime, life goes on and you need it. Or do you?
Author Resource:-
National Prestige Health Care (http://www.careamericaonline.com/)Offers preexisting condition health insurance. Art Gib is a freelance writer.
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