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.
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.
