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Sunday, March 22, 2009

Affordable Health Insurance

By Tim Witters

Pre-existing conditions are defined as an existing condition that was there before you applied for your health insurance. In many circumstances, pre-existing conditions are minor. The major ones are considered to be terminal

What if you cannot afford insurance and you become pregnant? What do you have to do to get support? How do you make sure the baby is covered?

Just because you have a pre-existing condition does not mean you will be denied health insurance. The people who have major pre-existing conditions are put into a risk pool. People with existing conditions can still get the proper insurance.

People with a knee injury or a torn quad can get insurance but their existing condition might not be covered. In some circumstances, any treatment related to the condition will be excluded. In other circumstances, the condition could be covered.

To cover a pre-existing condition, an insurance time needs to give an allotted time to pass. It is usually between nine months and a year. After paying into the system for some time, the person could receive medical treatment for it.

If you go over your limit, you will have to pay out of pocket to continue treatment. At that point, the only affordable method to get cured might be to get committed. While this seems unreasonable, it might be the best for you.

If you are too well off for Medicare but cannot afford health insurance then consider Maternity Advantage. This organization is designed to help pregnancy women obtain health coverage. While they are not technically insurance company, they help in the same way.

To ensure that you do not obtain a pre-existing condition, make sure that you do not go over sixty-three days without coverage. If you lapse, then the conditions that were once covered might not be. Make sure when you switch insurance companies that you do it promptly.

If you have a pre-existing and you are shopping for insurance, make sure you ask about the pre-existing condition clause. See how long or how much they can give you for the operation. It might be enough to get you the surgery.

An insurance plan that is meant to supplement Medicare is called a Medigap. Through ten standard plans, Medigaps add necessary benefits that people would not get under Medicare. Since each state has different Medicare policies, each state has different Medigap regulations and standards

Seeking mental help is important to a person and their family. It should never be overlooked by insurance companies or the government. Luckily, Medicare has been able to help people.

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