michigan education insurance

michigan education insurance
If you already rated or declined for health insurance, it is likely because you have an existing condition.

Thousands of uninsured, underinsured and uninsurable individuals are facing serious health problems like heart disease, heart attack, diabetes, cancer, stroke, liver disease, AIDS, pregnancy, depression and kidney disease. Each of these pre-existing conditions may cause it to be rejected for health coverage. Today you can even be rejected if you have weight.

There is a real challenge to the preservation of health insurance for someone with pre-existing conditions. But before we imagine ourselves, here are some questions we need to.

What is a pre-existing condition?

An existing condition is any injury or illness, the diagnosis was made, the treatment was recommended, the treatment has been rendered, or expenses have been incurred within a certain amount of months before the date of reporting (usually 3, 6 or 12 months and which may vary depending on condition). It contains all the conditions manifest themselves in symptoms that are part of a prudent person to seek medical advice.

What is a pre-existing condition exclusion period?

Insurance companies try to discourage people from waiting until they are sick to buy health insurance. This is achieved by the introduction of the so-called pre-condition exclusion period. This means that if you have a medical problem, which is based on the time you purchase insurance, the insurer will deny the claims in respect of medical problem that for a certain period.

The provisions of the existing condition exclusion periods in individual health vary from state to state and are very different from the rules of the employer-funded plan. If you have or recently had health insurance, you can use that creditable coverage for an existing condition exclusion period.

Why all the Hoopla over a pre-existing condition?

The biggest bone of contention with private health insurance is the problem with the existing conditions. Plain and simple ... Insurance companies do not like existing conditions. You know, in the long term ... it costs them more money to you. Honestly, insurers prefer to make sure people who are not very likely to need the insurance.

But food for thought! If you do not have some kind of health or medical issue? It can be something as simple as asthma or as complex as cancer. Some pre-existing conditions can be managed and these people can live a relatively healthy and normal life.
But the insurer can and then to the bottom "" high risk "people who because of an existing or previous illness. Even if the reporting process can often pay the premiums unaffordable. Sometimes at the end with a changed policy to pay more because their medical history or to a policy that does not pre-existing conditions.

Are there things I can do to health care?

Here are some options for obtaining health coverage. See if any apply to your situation.

(1). Employer-sponsored group health plan

(2). Join a professional organization (eg Chamber of Commerce and Industry)

(3). Individual Health Insurance

(4). State Risk Pool (if it is in your state)

(5). Discount Health Card

(6). Guaranteed Issue Health Insurance

Whether covered by insurance or by other means, the total cost of health insurance for someone with pre-existing conditions is high enough to dramatically impact the person lifestyle.

Today, it is important for us all to lead a healthy lifestyle. However, if you already have an existing condition that prevents you from getting affordable health insurance, you should use the above listed 6 different options to see what works best for you.