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How to Get Health Insurance for Pre-Existing Conditions

June 14th, 2011 at 06:20 pm



Health insurance may be easy and affordable to obtain for those who are young and healthy. But when you have a pre-existing condition, it can be downright challenging, if not impossible. Don’t those with pre-existing conditions need health care the most?

If you are self-employed, unemployed, or your job doesn’t provide health insurance benefits, when you have a pre-existing condition, you are either denied for health coverage when you apply, have to pay a much higher rate, or are offered coverage that excludes your condition.

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Posted in Saving Money | 4 Comments »

4 Responses to “How to Get Health Insurance for Pre-Existing Conditions”

  1. patientsaver Says:
    June 14th, 2011 at 10:39 pm 1308091188
    1308091188

    One way for people with pre-existing health conditions to avoid getting stuck with no insurance is to make sure to continue and maintain health insurance using COBRA should you get laid off.

    If you maintain health insurance while you're out of work and then get a new job, the new health insurer cannot charge you a higher rate or deny coverage of your pre-existing condition.

    It's critical to maintain continuous coverage at all times.

  2. Jerry Says:
    June 24th, 2011 at 11:35 pm 1308958533
    1308958533

    COBRA insurance is a lifesaver for many people, as noted above, but it can also be prohibitively expensive in some parts of the country. We paid $1200/month for a (healthy) family of three a few years back in Maine, just to keep our coverage between a job change and the start of new insurance, and it really did lead to some sleepless nights.
    Jerry

  3. patientsaver Says:
    June 25th, 2011 at 11:50 am 1309002612
    1309002612

    Absolutely. COBRA is not cheap at all, since you're picking up the employer's contribution. But if you can mange to pay it, it would guarantee you coverage of your pre-existing condition once you get the next salaried job. I'm paying $468 a month now.

  4. twotinytoes Says:
    July 6th, 2011 at 10:36 pm 1309991773
    1309991773

    We paid $600 for 2 people on Cobra. The thing about this government program is that you have to go without health insurance for at least 6 months to qualify. That's scary.

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