Are We Finished With Pre Existing Medical Condition Clauses?

Pre-existing might be on its way out however it is not gone yet. The changing face of medical insurance and the new laws governing it means that pre-existing conditions will cease to exist due to the fact everyone is going to be required to hold continuous health insurance coverage for the duration of their life. Naturally, it truly is essential to recognize that though this is the intention over the coming years it’s not the case as of now.

As of today, health insurance policies can still hold pre-existing conditions over a person’s head and refuse to pay for care on health issues that existed prior to the enforcement of their new health insurance coverage. Of course, this may seem like discrimination but it is actually a policy that helps to protect the health insurance companies from having to pay for serious health conditions that you may have been diagnosed with prior to purchasing a new health insurance plan.

Although this may seem like a good plan for those who are in the business of health insurance so to speak, the individuals who need health insurance are really in need of the benefits that are being denied them under the guise of pre-existing conditions. The savings are big but definitely at the expense of the consumer. When it comes to health insurance, after all, how good can it be if it doesn’t cover the things you need it to.

And those who have serious pre-existing conditions have been hit hard with denial after denial of health insurance making it impossible for them to get coverage for the care they need in the face of their health crisis. Many who have serious health conditions have to consider quitting work because they very simply can’t keep up the pace thus more often then not resulting in a loss of health insurance coverage that makes future treatment options very limited.

Any chance your health insurance company has to cut you out they will do it and this is why it is terribly important to make sure that you choose the health insurance options that are best for you before you become diagnosed with something serious and then can’t find a health insurance policy to cover you. Down the road the United States government claims that health insurance companies will not be able to deny coverage based on pre-existing conditions and this will be of serious comfort to those who have been denied coverage based on their current health condition. Of course, that is only if they live long enough to experience this health care reform in action.

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