Many of those who are uninsured, underinsured and uninsurable also have serious health problems such as heart disease, heart attack, diabetes, cancer, stroke, liver disease, AIDS, pregnancy, depression or kidney disease. Getting medical insurance plans for individuals with pre-existing conditions is difficult. Some people are even declined for insurance simply because they're overweight. Consequently, they're faced with a very challenging situation as it can be quite miserable to live without proper insurance coverage.
Before worrying about a pre-existing condition, every individual has to ask this basic question; what really constitutes a pre-existing condition? Any injury or sickness can be considered a pre-existing condition for which diagnosis has already been made, treatment has been suggested or expenses have been incurred during the months of effective date of coverage.
There is a pre-existing condition exclusion period; this is the time period the insurers deny the claims pertaining to that medical problem. It's done when you have an existing medical problem and you're trying to purchase health insurance. There will be considerable change in rules governing preexisting condition exclusion periods from state-to-state and these rules differ from the rules of an employer sponsored plan.
Most of the insurance companies hesitate to provide insurance for people with preexisting conditions because in the long-term, it will cost them more money to insure such people. But, there are many things that go unnoticed since normal people are not properly informed. The federal government has unveiled the Affordable Care Act which includes a long overdue component called the Pre-Existing Condition Insurance Plan (PCIP). This program could help 25 million people lacking health insurance for pre-existing conditions. Presently there are only 21,000 enrollees with 98% of the remaining funds still untouched.
There are several problems with PCIP. The main issue is that the benefits of this program have not been clearly communicated to the general public. Next, there is no exact definition in the legislation provided for creditable health insurance, which makes it difficult for the people who are seeking medical coverage. During these situations, the only way of getting proper coverage is to find the expert agents. First Preferred Insurance has agents who can give expert advice on pre-existing conditions and can offer HIPPA-compliant, creditable coverage plans with good benefits.
About First Preferred Insurance:
First Preferred Insurance has several years of experience in helping people to find proper insurance coverage plans. They're licensed health insurance agents specialize in prescription insurance coverage and also providing insurance for individuals with pre-existing conditions.
Author Resource:
For More Information about declined insurance or regarding getting insurance with pre-existing conditions , visit: http://firstpreferredhealthinsurance.com/
Phone: 954-362-9974
Fax: 954-926-8073
Mailbox: 485 S Federal Hwy, Dania Beach, FL 33004
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