Pre-Existing Medical Conditions and Health Insurance
You may be asking “what pre-existing medical conditions will affect my acceptance of health insurance” and unfortunately, the answer is not that cut and dry. The reason for this is different insurance companies consider pre-existing medical conditions differently than others. One company may reject one pre-existing condition while another may accept it. Another major factor is what kind of health insurance you are purchasing. There are basically four types of health insurance a person can buy nowadays. Marketplace – Is offered through private insurance companies, and usually government subsidized. Pre-existing conditions are not a factor whatsoever in determining eligibility for medical benefits. Short Term Medical – This is offered through private companies, however there is no subsidy and pre-existing conditions are a major factor in determining eligibility Group Health – Offered by the employer and typically accept any pre-existing medical condition Indemnity – Offers limited benefits for hospital stays and doctor visits but typically take more pre-existing conditions than Short Term Medical plans do. What are the typical conditions for rejection of pre-existing medical conditions? Here is a list that most carrier will consider rejecting pre-existing conditions: Check with your carrier to see if any of these conditions will prevent you from getting health coverage.
What is international health insurance and is it worth it?
With summer season fast approaching many will be taking vacations to far away popular international destinations like Europe, the Caribbean, Central America and even Asia. Many will make plans such as budgeting for hotels, car rentals, excursions, swimsuits and swimming gear, airfare, restaurants, etc…. While it is wise to plan ahead and budget for such things many forget one of the most important things to plan for when going abroad. International Health Insurance or Travel insurance. Here as some answers to some questions: What exactly is International Health insurance? Simply put, it is health insurance for people that will be travelling outside their domicile country of residence. It is not merely insurance for those just going abroad for a week or two but also for expats planning to live outside their country of residence for an extended period of time. I already have health insurance; won’t it cover me if I go abroad? Sometimes, Marketplace health insurance (Obamacare) will not even cover certain things when travelling from one state to another let alone to another country. The answer is no, it will not cover you on your international trip. This is why it is essential to have it prior to leaving for your international trip. What happens if I need health care abroad and don’t have international health insurance or travel insurance? In many cases, especially poorer countries, can and more than likely will refuse to offer care in a medical emergency, unless you show you have the means to pay for it via cash or credit card. You may try to go to a public hospital but be prepared to wait many hours with sub-par care. Is international health insurance expensive? Not nearly as expensive as needing it and not having it. International health insurance. There are many factors that go into the pricing of international health insurance. Age, length of travel, how comprehensive will the coverage be, etc…. It can vary widely from $80 – $600.
Just moved to South Carolina, now what?
Finding affordable health insurance Moving to a new state can be an exciting adventure, but it can also come with a lot of new responsibilities, including finding health insurance. If you’ve recently moved to South Carolina and are wondering where to find health insurance, here are a few options to consider: Remember, having health insurance is important for your health and financial well-being. Take the time to explore your options and find a plan that works for you.
