Sunday, October 14, 2012

Health Insurance Tips Part One


Just how can I get medical insurance policy if I have a pre-existing condition?


If there is a pre-existing medical problem and are searching for person wellness insurance, expect special treatment.

How special? Well, sort of like a felon taking the Ebola virus. You might also stay a "kick-me" sign on your right back. You'll possibly be refused coverage, charged additional for rates and out-of-pocket expenses, or you may simply need to tolerate a conditional waiting period.


The good thing is that the Individual Safety and Affordable Care Act signed in to law last yr may assist persons with pre-existing problems. 


Although maybe not until the beginning of 2014. Till then, you need to consider the Pre-Existing Condition Insurance Plan (PCIP), the national edition of high-risk insurance pools. To qualify, you need to have been uninsured for six weeks, have a pre-existing condition, and have been refused insurance with a private insurance company.

Details differ based on your geographical area and whether your state's PCIP is run by a state or by the Department of Wellness and Individual Solutions. Take a look at this guide for more information about how PCIP strategies function in a state, how to utilize, what they cost and what they protect.

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