Health insurance coverage for someone with preexisting condition?

Weldon Totaro: All legitimate companies will underwrite you for the pre-existing condition unless it's for a very limited defined benefit plan. However, just because one company declines that doesn't mean all companies will decline. What each company will do depends on the company, the condition, sometimes the plan you are applying for, and your state of residence. Depending on the condition some companies will accept you but not cover the condition. Other companies will accept you but charge a higher premium to cover the condition. Other companies will have a separate deductible for the condition. Also, companies can do any combination of the above. Since companies and regulations vary by state (and you didn't mention the condition) there is no way anyone here can recommend a company. Visit a local agent that works with all the major companies in your area. The agent can find out your options with the various companies and can find the best plan for you if one is possibl! e. There is no extra charge using an agent....Show more

Clinton Migliori: A cold can be a pre-existing condition.Cancer can be a pre-existing condition.High cholesterol can be a pre-existing condition.Diabetes can be a pre-existing condtion.It depends on the pre-existing condition. Diabetes and cancer won't be covered....high cholesterol, thyroid issues, and other minor items could be.In short...you're not giving enough information for a complete answer....Show more

Patricia Dornbos: They replaced the regulations to help take care of customers from purely this. regrettably, the regulation says that they could't deny insurance for a preexisting subject interior of an insurance coverage. in the experience that they furnish you a coverage, they could't deny you insurance for a preexisting subject. There aren't any regulations about denying insurance altogether for preexisting circumstances. All of this for the US. The less costly well being automobile Act will rep! lace a number of this. once you're required to have an insuran! ce coverage, you'll have the flexibility to get one through the well being insurance exchanges....Show more