Have you been rated up or declined for health insurance recently? Do you know that it is probably because of your pre-existing conditions?
There are many people that are uninsured, underinsured, or not even able to get insurance and are facing very serious health issues. These includes heart attacks, diabetes, strokes, liver disease, HIV, pregnancy, kidney disease, and many other horrible things. If you have any of these pre existing conditions you might be declined for health coverage or it might be too expensive for you. Even overweight individuals are starting to be turned down.
There are choices for those that have pre existing conditions, even if you have been turned down before you do have options. Here are some of the options you have.
- Discount health cards
- State risk pool (available in some, but not all states)
- Health Insurance with a Guaranteed Issue
- Employer-sponsored group health plan
- Individual health insurance
You should be warned, though. Your health insurance is going to be high enough that it will have an impact on your lifestyle. Insurance companies do not really care about you. They care about the bottom line and they have to protect themselves from losing money.
If you have pre existing conditions and you are struggling to find health insurance, then check out the options above, and you can even talk to someone in the chamber of commerce to see if they have a solution. They usually have many contacts and this can lead to exactly what you are looking for.
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