Health Insurance - pre-existing Medical Conditions
It is a well known fact that it is difficult to find health insurance for pre-existing medical conditions because the health insurance companies are trying to reduce their risk exposure to such patients. If you find yourself in this situation, do not fret as you have just come to the right place. This article will help you with tips to find health insurance that can give you or your dependant great coverage in such a situation.
Opt for Group Health Insurance
If you are employed, you should opt for the employee group health insurance plan provided by your employer as part of the remuneration benefits. This is a very good way to find health insurance for your pre-existing medical condition without being turned down by the health insurance company. This becomes easy because of the large number of people enrolled in the health insurance plan which serves as a compensation for the company in the long run. So, do not go about trying to find health insurance if this is your situation, just take up the group employee health insurance plan.
Go for a Major Medical Insurance Plan
Another good way to find health insurance for your pre-existing medical condition is to review the different options available for major medical insurance plans. This will be very possible since these plans are specifically suited to take care of people with expensive, but though rare medical requirements. You stand a very good chance in this regard especially if your health situation has been properly managed over the years.
Subscribe for a High Deductible Health Insurance Plan
It is easier to find health insurance plans that are willing to cover your pre-existing medical condition when you compare health insurance plans with high deductibles payment. Over the years, this has proven to be a very good way to find health insurance plans in such situations, since you have already borne part of the initial cost. Though, the health insurance company will bear all other costs above your deductible payment. Another advantage when you find health insurance in this manner is that you premium payment will be less.
Limited Benefit Health Coverage
One other good way to find health insurance for your specific condition is to opt for limited coverage on your regular insurance. This means that you would forfeit some of the regular benefits of your plan in order for your pre-existing condition to be adequately covered. This can be very helpful if you have a pretty stable health and you would only have to make payment for the regular health insurance premium.
All the above options are good ones while trying to find health insurance for a pre-existing medical condition. The most important thing however is to ensure that you read thoroughly through the coverage benefits and specific conditions attached.