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How to Get Health Insurance for Pre-Existing Conditions

June 14th, 2011 at 11:20 am

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. Donít those with pre-existing conditions need health care the most?

If you are self-employed, unemployed, or your job doesnít 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.

Continue reading at: http://www.livingrichlyonabudget.com/health-insurance-for-pr...

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

  1. patientsaver Says:

    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:

    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.

  3. patientsaver Says:

    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:

    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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