Why Pre-Existing Condition Protection Is One of the Most Important Benefits in Health Insurance

Many Americans remember a time when obtaining health insurance could be extremely difficult if they had a serious medical condition.

Individuals with diabetes, heart disease, cancer histories, asthma, arthritis, high blood pressure, or other chronic conditions could face higher premiums, exclusions, waiting periods, or denial of coverage.

The Affordable Care Act changed that system by requiring ACA-compliant plans to cover pre-existing conditions.

Today, many consumers take this protection for granted. Unfortunately, not every health coverage arrangement is required to follow the same rules.

Some alternative health coverage programs may limit coverage related to pre-existing conditions or impose waiting periods before certain services become eligible.

The problem is that many consumers do not investigate these details until after they need medical care.

When reviewing any plan, consumers should ask:

• How does the plan define a pre-existing condition?

• Are there waiting periods?

• Are there exclusions for chronic illnesses?

• Will future treatment be covered?

• Are prescription medications covered?

These questions become especially important for anyone managing an ongoing medical condition.

A responsible insurance professional should review these issues in detail and make certain clients understand the answers before enrolling.

The purpose of health insurance is not simply to lower monthly premiums. The purpose is to provide meaningful protection when medical expenses occur.

Need Help Finding ACA-Compliant Coverage?

NYSmallHealth.com specializes in helping consumers find ACA-compliant health insurance plans that provide protection for pre-existing conditions and comprehensive medical coverage.

We work with leading carriers including Oxford, Anthem Blue Cross Blue Shield, and Aetna and help employers evaluate group health insurance and PEO solutions.

If you want guidance from professionals who focus on ACA-compliant coverage, contact us today. You can also get an instant Group Health insurance quote here.