Will Health Insurance Cover Pre Existing Conditions?

will health insurance cover pre existing conditions

The health care coverage for pre-existing conditions has been around in one form or another for some time. Although not as popular as health insurance plans that offer coverage for accidents, diseases and other health conditions, there are still people who prefer the protection offered by an insurance policy against these types of risks. When it comes to shopping for a policy, one has to be careful when making assumptions about what type of coverage is going to be best for him or her. While many people feel very confident when they are applying for and buying coverage for pre-existing conditions, there are actually a lot of things that can be done to reduce the likelihood of getting this type of health insurance coverage.

One of the most common stipulations made by insurance companies when it comes to the coverage of the existing conditions is that the person seeking coverage must be at least 45 years old. Although this age requirement may seem unreasonable, the applicant must also prove that he or she is suffering from a pre-existing condition. For many people, this can be done by providing a doctor's reports and medical records that outline the illness or condition. By doing so, the applicant shows that he or she is in need of additional medical attention. Even if the applicant does not suffer from a serious health condition, he or she should still have the coverage since it is important to have protection in case something happens.

Another option is to find a health insurance plan that offers guaranteed issue coverage. This means that the insurance company will not reject the application of the applicant if he or she were to seek insurance due to a pre-existing condition. While this type of coverage is not available everywhere, there are many health insurance plans that feature guaranteed issue policies.