A Pre-existing condition is an illness or a condition that you already possess even before you have enrolled in a health care plan. It could be illnesses or conditions like diabetes, cancer, sleep apnea, and many others. According to www.homeownersinsurancecover.net these are determined when you are already taking treatment or medications for an illness or condition before you start your health care plan. The conditions can be long term or chronic. It is now illegal for insurance companies to deny you medical coverage because of pre-existing conditions. It is important that you know the facts about the pre-existing condition. This way, you will know the rights that you can claim from your home insurance company. Here are important things to know about the pre-existing condition.
· Rules on pregnancy
If you are not yet pregnant when you applied for the health care plan, then enrolling for a health care plan will be easy. But in case you got pregnant before the start of the plan, you will still be eligible for the insurance coverage. The insurance for pregnancy and delivery will begin on the day the insurance plan is enrolled.
· Insurance for pre-existing condition
There is no particular insurance plan for pre-existing conditions. But keep in mind that insurance companies should not deny you of a plan just because of this. There are companies that offer higher premiums and lower deductibles in case your condition needs surgeries and regular treatments.
· Accepted pre-existing conditions
There are lots of illnesses and conditions that fall under this category. Different cancer, epilepsy, diabetes, depression and chronic conditions like pregnancy are considered pre-existing conditions. It may also accept less severe conditions like asthma, acne, anxiety and also sleep apnea.
It is important that you have your medical records when you plan to enroll in health care coverage. This is to prove the different conditions that you have even before starting with the health care plan. The insurance company will then be able to give you the right plan fitted for your medical needs. If you are hesitant to enroll in a health care plan because of your conditions, then you can first inquiry from an insurance company. This way, they will be able to explain to you their specifications and requirements.
When choosing a health care plan, always consider your medical needs. The plan should be able to help you with your needs for your health. The important thing is that no insurance company can deny you enrolling in a plan because of pre-existing conditions. Home insurance and health care plans are important as these will be of help in case any unexpected and untoward situations happen. Though these are added expenses, it will give you help when the time comes that you will need it. Choose an insurance company that is reputable and reliable. Take your time in knowing more about the company first before deciding on where to enroll for insurance. This way, you can get all the benefits that insurance plans are expected to give to clients.