California Health Insurance – Fibromyalgia – Get an affordable Health Plan
Fibromyalgia is a puzzling chronic medical condition with many painful symptoms and few answers regarding its cause. Perhaps you have suffered for years with unexplainable muscle pain and soreness, a persistent feeling of being tired as well as trouble sleeping. These are the most common symptoms of the disorder, but the severity and extent of the condition vary from person to person. Finally getting a diagnosis of fibromyalgia after years of these symptoms might seem like a little victory. However, the victory likely will be short-lived after you discover that the condition is chronic and has no known cure. That is why it is so important that if you are experiencing symptoms such as the ones listed above, you should consider your health insurance choices carefully.
This is a determination you will need to make based upon your own particular financial and health situation. However, if you find yourself constantly seeking some sort of treatment or another related to your fibromyalgia, then the cost of a high-risk insurance policy might be well worth the price in the long run. This type of insurance can tend to be quite a price. You might be required to buy high-risk insurance to ensure that your condition is covered. Fibromyalgia might be considered a high-risk condition.
If you have medical insurance already, then you won’t likely have any trouble getting coverage for treatment of the condition. Since fibromyalgia is a chronic condition with no known cure, medical treatment for the condition will likely be varied and ongoing depending upon your specific symptoms. When you are applying for a brand new medical insurance policy, however, there is a risk that you may be denied coverage for your fibromyalgia under certain policies because you have a “pre-existing” condition.
When you are making a decision about health insurance for the first time, you might be likely to try to get the cheapest policy possible. However, when you have a chronic health condition such as fibromyalgia, it is also important to take your health care needs into account when making the decision. If the health insurance policy is not denied to you altogether, you still may face waiting periods and conditions to coverage which can be frustrating. It is also important to realize that health insurance is probably going to be available to you, but at a higher monthly premium than if you didn’t have fibromyalgia. There are policies out their that will cover your anticipated monthly expenses but you have to be vigilant in searching them out. Here is a bit of good news.
Federal law also prohibits the group health plan from denying coverage based upon a “pre-existing condition.” What that means for the fibromyalgia sufferer is that even with a prior diagnosis of fibromyalgia, you will not have to wait for your coverage to go into effect and you have no fear that coverage will be denied to you based upon a “pre-existing condition.” If you have had a health insurance policy in effect for 12 months prior to applying for health insurance under a new group health plan, then federal law prevents the new group health plan from requiring a waiting period for coverage.
Sean L Johnson is a journalist for Health Insurance Buyer a referral service that connects consumers to the insurance carriers that can best fit their wants or special needs. Click on link to access your instant quote and save on your california health insurance