A kind of nightmare is for someone with an existing disease my health insurance, and although there were some promises that the "discrimination" against those with pre-existing conditions could disappear beneath the presidential election, this is almost certainly more political rhetoric than reality. So how do you do to find affordable insurance for health if you have a medical problem in the course?
The first and perhapsIt 'important to recognize that not all insurers are the same and while some will penalize heavily to deny (or even to completely cover his condition), others are much more lenient attitude of this book. Therefore, you should start your search by clicking on firms that adopt a positive view of your illness.
If you have two or three health insurance companies, who look very favorably on his condition found, you need to look in detail howwould deal with it. For example, if you are very lucky, they could not punish at all and simply provide comprehensive coverage at no additional cost. If this is impossible, however, usually accept their condition are excluded from coverage for a certain period of time, or you are covered for an additional premium.
When it comes to waiting times should be adequate and must in any case never more than a year, effectively, and we need to get your plan in order to extend the benefits of coverage, too. ThanGeneral rule, that is not a condition of coverage for a period of three to six months is generally considered inappropriate.
When it comes to additional costs, but it is a matter of balancing this against the cost of treatment for the condition of uninsured and here we must make an assessment about your experience with the treatment given and the prognosis for your condition. Until you get the additional costs are expected to fall below what otherwise to pay, then it is probably a good deal. Of course this is not something that is easy to evaluate and, in the absence of hard data available on which your decision is often a simple matter of deciding for yourself if you think that the extra cost is reasonable.
Many people are reluctant to the idea that pay extra to cover pre-existing conditions, but it certainly has a sense for the insurer to contribute because, after all, to bring a private> Insurance Market. Insurance premiums, both for life insurance, car insurance or health insurance are all based on risk and clearly, if you have a medical condition the insurance company is no longer in danger, to pay for your behalf.
Despite all the problems of the existing insurance market is an advantage that is so large and so competitive that almost certainly find what you're looking foras long as you are willing to take a little time consumption and shopping.
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