Individuals with pre existing conditions like diabetes, cancer, heart disease, heart attack, stroke, kidney disease, liver disease, AIDS, depression and a long list of other health conditions, have found it almost impossible to find affordable healthcare. These health issues are causing thousands of individuals to be declined for health insurance. If you are looking for uninsurable health insurance or pre existing condition health insurance, you know how hard a task that can be.
Sometimes preexisting conditions allow an insurance company to deny your health insurance request. However, there are ways you can be provided with affordable healthcare coverage. If you can combine creative insurance planning with the knowledge and understanding of what is available, you’ll greatly reduce the chance of potential financial strain on you and your family.
Should you find an insurance company that will provide health insurance; you’ll quickly discover that this coverage is not cheap. And… the coverage will probably be limited in scope when compared to the coverage for someone with no known health problems. The bottom line is this, whatever coverage you can get, it’s probably best to take it until something better comes along.
You can find affordable health care. I have listed 6 choices below.
Group Health Insurance: The best choice for those with a chronic conditions, pre existing conditions or even uninsurable. It’s really a guaranteed issue health insurance plan. With group health insurance, coverage is usually provided by your employer or your spouse’s employer. The employee will typically have little, if any, choice concerning the features of the coverage. The main advantage of group insurance: new employees will usually get coverage without any medical questions or concern for a pre existing condition. One disadvantage: coverage usually ends when the employee’s job ends.
Professional Organizations: Most don’t know about this option. A number of professional organizations offer their members a health insurance program as a fringe benefit. This health insurance coverage could be a great way to stay insured if you are uninsurable or have a preexisting condition. This is really like a group health insurance policy. See if you can get access to a membership organization which offers health insurance for preexisting conditions or health insurance for the uninsurable. A valid certification or career experience may be required to join. Other associations might accept your membership without these prerequisites. Look for local and national associations. Even with a yearly membership fee, it still might be worth the money.
Private Individual Health Insurance: If you are without group healthcare coverage from an employer or professional organization health plan, yet you have pre existing conditions that have caused you to be uninsurable, obtaining individual health insurance is probably going be a little tough. If you do find coverage, the premiums will often times be unaffordable. However, this still might be your best choice for now. You can always go with a better plan in the future.
State Risk Pools: For individuals who have serious medical conditions, some states allow access to either private individual health insurance for uninsurable or health plans for uninsurable. These plans are defined as high-risk health insurance pools. Individuals in these state risk pools have access to comprehensive private coverage plans. However, the premiums can be very costly, often double what private health insurance would cost for someone who is healthy. Individuals may find enrollment is closed to a new enrollee or the state pool has a long waiting list. These high-risk pools are often the last resort for people who have serious pre existing conditions and are paying exorbitant fees for their insurance, or who are able to meet key state conditions for enrollment.
Discount Health Cards: Companies selling discount health cards claim to save subscribers money by offering discounts on a hospital, doctor, prescription drugs, dental, vision and chiropractic care. Consumers seeking affordable healthcare may be confused by these health cards. They really are not health insurance. You’re still responsible for paying the medical bills. The discount health card simply offers a reduced price for services from participating healthcare providers. They often times make grossly inflated promises on expected benefits and savings. Use caution when purchasing these discount health cards. You may pay more than you save.
Guaranteed Issue Health Insurance: For those who are uninsurable, those with preexisting conditions or someone who just can not afford or qualify for health insurance, then a guaranteed issue health insurance plan may be a good choice. These plans, known as “mini-meds”, are not to be confused with “discount health cards”. These plans are usually quite affordable and offer a considerable amount of coverage. Most pre existing conditions are covered after 12 months. Understand these plans are not basic health insurance or major medical coverage but are limited indemnity plans. This just means the plan pays benefits based on a pre-defined amount per service or procedure. Usually covered are doctor visits, hospital stays, emergency room visits, surgery, accidental death, etc. Most do not require completing medical questions or taking a physical exam to qualify.
Watch the video related to health insurance
GOP Rx for Health Insurance Reform: TV Version
Help answer the question about health insurance
What is the difference between Health Insurance and Health care Program?Is it OK to have just the health care program and not have the Health Insurance Plan? I can get Health care program for half the monthly premium as compared to the Health Insurance Plan. Please advise? Is it advisable?
About Author
Rudy Wilson is currently active in the insurance industry. He is also a researcher and an author. Visit his web site at www.UninsurableHealthSolution.comhttp://www.UninsurableHealthSolution.com to view more information on finding affordable health care for the uninsured, the underinsured and the uninsurable.
50 is too young for medicare. Medicaid is for the very low income, you could certainly APPLY for medicaid, but if they have any assets, they are likely to not qualify. It doesn't change much, the income guidelines, from state to state, HOWEVER, coverage in one state (the state of residence) ONLY covers you for services in THAT STATE. So if they CALL their residence Texas, they won't be paid for any services in CA.
One thing to look into – if they are on SSDI, after 27 months of SSDI, they'd qualify for MEDICARE, even if they aren't old enough otherwise.
Also, the diabetic should look into part time work, at Walmart or something. Walmart does offer group benefits to their part time employees – which is a MAJOR bonus for the older crowd.
There isn't a group for "hard to insure" people, because as a group, you can't get enough premium dollars from them to cover the costs, WHICH ARE EXTENSIVE. Sorry for the bad news.
Just the insurance for the working poor. I made one iota too much money to qualify…
Having been laid off, getting a new job, being fired while sick, and finding out only one little week afterwards that I had a hormone illness making me tired, unable to concentrate, wildly moody, and near to organ failure.
But my job that had promised insurance and failed to deliver, then fired me, left me without even the chance for COBRA.
Well, I went bankrupt trying to pay the bills for my medical care and survival on Long Island, NY.
God bless you all.
I hope your daughter is OK and stays that way, at leat until this all (hopefully!!) changes.
“Don’t support Death care for grandpa and grandma.”
But, grandma and grandpa would be dead without Medicare… WHICH IS A SOCIALIST SYSTEM. Would you like to remove Medicare and kill old people?
Why are taxpayers funding this echo chamber? These guys are railing against insurance conflicts of interest (lobbying, campaign donations, etc) , yet apparently fail to see the irony of a tax payers funded television station advocating on behalf of a gov’t in power.
Many are the poor who qualify for Medicaid but don't want the stigma of being on welfare. Many others are between jobs who are counted even if they don't have insurance for only a month. The rest are uninsurable and these are the people that need a health care reform.
This is not a question. This is a rant. And an ill-conceived one, utterly devoid of compassion or accurate facts.
Recently I visited a doctor and, over the course of 15 minutes of smalltalk, racked up a $600 out of pocket expense. I had health insurance I was purchasing myself, at considerable expense, but that that wasn't structured to pay such "small" fees. I couldn't afford better insurance anymore than I could afford that medical bill. I'm likely better educated than you, have a permanent address, and am a good credit risk. I'm attractive, middle class, and smell good. But if I were to become seriously ill or injured, I'd lose literally everything including, most likely, my health insurance plan. There are millions of people like me.
Do you think medical bankruptcy, a cause of nearly 60% of bankruptcies, is good for the economy? Do you think having your so-called indigent people able to obtain medical care only at ERs at considerable cost and often loss when regular, preventive visits to a GP would prevent most major health problems is fiscally sound? Do you think?
you have no idea what you are talking about.
Or you do and are a paid mouthpiece for the healthcare profit industry
The point is they don't want to insure someone who is likely to cost them a bundle. It would be like giving car insurance to someone who has multiple dui's. Sorry to say it is monetary and not humane motivation. I hope things go well! Good luck.
Thank God for Mrs. Clinton. She is so much smarter than everyone else. She will take good care of me…………
Gotta love America and the "unisurable".
Anyways, I know the wife should be eligable for COBRA benefits once she is removed from the insurance. She will have the option of paying for those benefits monthly until she is able to find new insurance…or until it expires.
Not sure if he will be required to pay any of those benefits. I don't think he would be…only way would be alomony and then she could use that money for benefits.
You should consult a lawyer to be sure.
Good luck!
They found New Money.OBAMA Health care Money that will be taken out of every working peoples Check,Just like Social Security ,They can Loot it Too,Go back to sleep every thing is Fine we are backed by Toxic derivatives & Toxic Obamacare
It doesn't matter if you allow your insurance to pay, or pay for mental health out of pocket, it will still be on record. Any insurance that you may apply for in the future will ask the question about your mental health, and if you try to keep it off the application, it's called misrepresentation of the facts, or in some cases, fraud.
So, go ahead and let your insurance pay. Your policy, if the benefit is included, should have a $10K-$15K lifetime limit for mental health problems.
Edit:
You might want to consider what's causing the depression. Maybe you need to change your lifestyle, job, diet, etc.
Regardless of the outcome, it's better to be safe than sorry, and get treatment. It might save your life.
Being treated for depression does not necessarily cause you to be uninsurable, depending on the severity.
The application would normally ask questions like these:
Are you under observation, receiving treatment, or taking medication for any reason?
In the last ten years, been diagnosed with, treated for, or had any of the follwing diseases or disorders:
(Check all that apply) (There are more, but the only on in question is the Mental)
__ Mental or Nervous disorder
Then they ask for the names, addresses, and phone numbers of your personal physicians, and the dates of, and the reasons for visitations.
If you have not been to a doctor for this problem, and have not been diagnosed, then no one but you knows of the problem. But what would a normal prudent person do in this case?
It would depend on the wording of the question on the application that you would fill out. Not all applications are the same. Ask the agent his/her advice.
I wish more people had the attention span to watch this. It dispels all the misconceptions and lies being propagated by insurance companies (by proxy of course).
Why do Republicans still think they are relevant?
Bravo.
I don’t agree 100% with single payer, but public option is nothing but government-backed corporate subsidies.
There should be a public option. Let insurance companies scramble for private clients.
Blue Cross is promoting a plan that will create more competition against their own company? Right!!! This is just a big scam to force 100% of the people to become customers of a few lobbying insurance companies at the top of the pyramid. They will become zombie corporations who get bailed out and make 100% profits. All at tax payer expense. Power is more important when you can print money.