Health insurance that covers pre-existing conditions
Our guest asks:
Which health insurance covers pre-existing
medical conditions?
OnlineAdviser responds:
We should reframe and clarify the question first in
order to provide a more useful the response. Otherwise
the response might not be useful. For example, if you
are continuing coverage with the same insurer then
all health insurance
plans will cover pre-existing medical conditions. If you
don't have prior coverage and are asking which insurance
will immediately cover the costs of an expected upcoming
expense, then none of the available
health insurance plans will do this. If you enroll in a
new plan and keep it long enough,
most of the health
plans available will eventually cover
pre-existing conditions. Of course, these responses
don't help much with your decision-making.
What you are more likely asking us is "what
health insurance provides the most liberal coverage for
pre-existing medical conditions with the shortest waiting
period if I have no prior coverage?".
Framed this way, the question is easier to address with
a specific recommendation.
Core Health Insurance plans
underwritten by United States Fire Insurance
Company provides the most liberal coverage with the
shortest waiting periods for most people. There are
currently 8 different Core Health Insurance plans to
choose from. These range from inexpensive to pricey,
minimal benefits to rich benefits. All are limited
benefit insurance plans which means that the policy
states the maximum coverage the policy will provide.
Some outpatient and doctor visit benefits for
pre-existing medical conditions are available
immediately when the policy starts but the more costly
surgical and hospitalization are available in six months
after the start of the policy.
Much additional information is available online at http://www.freedombenefits.net/affordable-health-insurance/Core-Health-Insurance.html
Columnist Tony Novak answers user questions in a wide range of consumer finance issues. Health insurance questions and responses are published here to help others with the same issues. Personal information is removed from the question prior to publication. Novak has addressed more than 50,000 consumer finance questions in newspapers, radio television and Internet over a span of 24 years. An expanded biography is published at www.tonynovak.com. Novak is frequently compensated for endorsement of the companies covered in the forum.
Advise is from sources believed to be reliable but cannot be guaranteed. OnlineAdviser comments represents the opinion of the adviser only and not represent the position any other person or business. This service is provided without charge on a best-efforts basis. Neither Freedom Benefits nor the adviser assume any liability for the effects of reliance on this advice.