If you have some pre-existing conditions at the time of purchasing your health insurance policy, it may prevent you from getting health coverage when you need it the most. Even if you get a policy, you may have to pay high interest rate for your health coverage if you have some pre-existing conditions. This article provides you with some tips you can follow when you decide to purchase a health insurance policy.

Types of pre-existing conditions

The various types of pre-existing conditions are obesity, depression, pregnancy, arthritis, serious heart disease, cancer, asthma and various other diseases. Each insurance company has its own list of pre-existing conditions on the basis of which it decides the premium rate of a policy.

Tips to get health insurance with pre-existing conditions

Here are some tips you must follow to get health insurance if you are already sick.

1. Employer’s group health plan – If your employer offers group insurance, you must participate in it. If you get a group insurance offered by your professional organization, you may get health insurance at an affordable price.

2. Work for yourself – If you are unable to get a group insurance from your employer, work for yourself to get one. You may get group insurance benefits from local Chambers of Commerce.

3. Buy policy through private market – You may get health insurance from private market but they will exclude any treatment related to your pre-existing conditions. However, these insurances will help you to get coverage for your other medical visits.

4. If you turn 65 – If you turn 65, health insurance policies cannot exclude your pre-existing conditions as you are eligible for Medicare.

5. Consider high risk pool coverage – If you are eligible for high risk pool coverage, you must consider it. In order to get high risk pool coverage, you must prove that you have been turned down for an individual policy or you have been offered policies which exclude your pre-existing condition. However, high risk pools often have waiting periods of 6 to 12 months.

6. Use your spouse group insurance – If your profession does not provide you with group insurance benefits, you should find out if your spouse could get one. Later, you may add yourself as a dependant.

If you are facing divorce, have lost your job or in case of death of your spouse, the federal COBRA (Consolidated Omnibus Budget Reconciliation Act) law may also help you get group health coverage. Thus, you may use the simple tips mentioned above to get health insurance that provides you with the best coverage when you are already sick.

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4 Mistakes to avoid while buying individual health insurance coverage

Many people make mistakes while buying a suitable health insurance policy. Such mistakes often prove to be costly in the long run. Go through this article to know about 4 common mistakes often made by people while buying individual health insurance ..…. ( Read more )

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