How can I get a medical insurance plan that will allow me to choose specific services or fields based on my pre-existing condition?
There are some insurance companies that offer medical insurance plan to individuals with pre-existing conditions, but these plans would still include a clause or rider that would prevent the insured from using the plan immediately. Usually, it takes one year before you can use your insurance coverage. For example, if you are diabetic, the plans may depend on what type of diabetes you have. Most insurance companies would deny a diabetic who is dependent on insulin. Individuals with diabetes who are controlled by medications may be accepted but the medical insurance plan will indicate a pre-existing condition clause or rider to protect the companies from any trouble in the future. Discount cards may also be of help but you have to realize that not all doctors accept these cards. If you have to search for a health care provider that will give you a discount, it may be more costly. Still, if you think such discount cards will help you cut your costs, then make sure to check the pre-set list if there is a health care provider in your area that will accept the discount card. You can check if the doctors in the list are still taking the discount card or are willing to accept new patients. You can check with an independent insurance agent if there are guaranteed issue policies available for you. A Guaranteed Health Insurance Policy offers comprehensive health insurance coverage to people who cannot get a medical insurance plan. Answer by BCAgentIdaho– June 19.2009 @ 11:01 am No CommentsNo comments yet. Leave a comment |
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It may be hard to find a medical insurance plan that is designed specifically for your pre-existing condition. There might not be any company that will let you choose the smallest details of your plan.
