Need health insurance now have a medical condition please help?

Answer 1

If you are already ill, health insurance will be more expensive. Although that might not be true if you have not yet been treated for your medical condition. If you’re interested in health insurance, you should probably talk with local health insurance agents (link below). Here are a few quick thoughts. I’ve included links in the “Sources” section for each number.

1.Free clinics or county health departments. You might have to pay, but it will be much less than if you go to the emergency room.
2.Medicaid
3.Organizations that sponsor people with your condition. I’ve linked below to Needy Meds. Just look up your condition and see if they have links to support groups.
4.Health insurance through work: if you have been insured within the last two months on a group health plan, such as one through work, then a new group health plan would have to accept you even with your medical condition. Also, group health insurance is cheaper.
5.State-licensed agents: they can probably let you know about your possibilities of getting and affording private health insurance in about five minutes.

Good luck, and don’t delay in getting help.
Barnes@MostChoice

Answer 2

Most ordinary individual policies, issued by private insurance companies, will be issued with an elimination rider on your particular medical problem. Of course that is the very condition you want coverage for probably. Blue Cross and Blue Shield sometimes have "open enrollment periods" where they might not even ask medical questions for some individual policies. Call the local BC & BS and ask them that question. Your best bet, though, will be to get a job with a company that has large group insurance coverage on the employees. Large group is usually definied as 10 or more full-time employees, sometimes 25 or 50 however.

I would tell you to walk into any emergency room at your favorite hospital and they have to treat you regardless of your lack of insurance. How much you have to pay back will depend on your currrent income, like zero to the full bill according to their standards. They are not allowed to refuse you care in any case. Just to be sure of this fact, give the billing deparatment of your hospital of choice a call, before you go in for treatment and feel out their rules and regulations. They might even send you some written material regarding the subject. That about covers it. Good luck health insurance hunting.

Answer 3

It depends on the medical condition. Having a pre-existing condition does not mean you CAN'T get insurance. Just expect to pay more than a healthy person will.

Individual plans are medically underwritten. Your pre-ex could be ridered (excluded), rated up (price increase but covered), or you could be declined.

Group insurance is guranteed issue, they can exclude coverage for pre-existing conditions for 6-24 months depending on the state where the plan is filed.

Insurance is not a bill paying service that you sign up for when you need it.

Answer 4

Part of my current job, in addition to adjunct nursing professor, is to work in case management of medicaid population. Depending on your income, type of disease and/or disability, you could seek an indigent waiver at local hospital/clinic. Remember, the hospital has to see you without insurance as it is part of the HIPPA laws. You have a right to be screen by a health professional. Don't get worried, you can get help. What ever reason lead you here, I am sure it was not your choosing. So many people are callus when it comes to this situation. But many people work but don't make enough to afford insurance or it is not provided. Best of luck.

Answer 5

Call the Medicaid office or your local Red Cross office and maybe they can help you out. If hospitals treat you and you don't have insurance they give you a sliding fee based on your income or if you are way below poverty level, they take away the whole bill.

Answer 6

u can always go 2 county or check at the hospitals i got 80% coverage bassed on income

Answer 7

So, you want protection in case you get sick now that you ARE sick?

Uh huh.

Look up 20/20 hindsight.

Answer 8

blue cross blue shield