I am looking to buy my own insurance but am wondering if my heart condition that i was born with will be covered or if it will be considered a pre-existing condition. My heart condition is not life threatening, but it is expensive to go to the cardiologist.
Heart Diseases - 2 Answers
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1 :
Health insurance that does cover your condition will have a waiting period before they will cover a preexisting condition. However most will not cover your condition. There are health insurance programs in many states for people like yourself. For example, in Wisconsin, if two private insurance companies deny coverage for a health condition you can get high risk insurance which is state subsidized to keep the costs reasonable and a touch more expensive than normal private insurance. Past that company health insurance is often forced to take you in many states. I'm afraid there is not a lot of wonderful news on this topic. Health insurance is a topic that both insurance groups and buyers of insurance don't love. Neither side gets a lot out of it.
2 :
Hi Rachel, I've been in the insurance industry for a while and this question comes up very often. My advice to you is to get an inexpensive high deductible policy with an exemption for your condition. This means that whatever expenses you incur from your condition won't be paid by the company but your premium will be much lower. After you've gotten your policy, I recommend you open a health savings account. You can deposit as much money as you want up to the amount of your policy deductible yearly. This money accumulates very quickly and is tax favored but can only be used for health purposes. (Otherwise Uncle Sam will hit you with a very hefty penalty) After a while depending on how much you’re depositing, you'll have a nice cushion to help you out with your doctor visits and such. This way you can be insured for any health problems you have other than your heart condition and sort of self insure yourself when it comes to your preexisting condition. i hope this helps. If you have any more questions you can let me know or read my blog for some reference. allyinsurance.wordpress.com
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