I was diagnosed with a mild asthma a couple months ago. I am now on a continuous treatment of two medications and an emergency inhaler. I am in my late teens, so I am still a dependent for my parents. I have been recieveing alot of informational liturature about asthma since the diagnosis. I guess they dont want me to die.
But I was just wondering if the health insureance will go up.
Thanks
2007-02-12 12:41:33 · 6 answers · asked by Anonymous in Business & Finance ➔ Insurance
You are much too young to be worrying about the cost of insurance! As you've heard, health insurance works differently than insurance where you are "individually" insured. Even with multiple inhalers, asthma shouldn't create a significant problem for your insurance at this point -- especially if you can get it well controlled. Be sure to work carefully with your physician in order to get it well controlled -- that way, if you ever have to get individual insurance privately, you'll pay as little as possible for your coverage.
2007-02-12 13:14:35 · answer #1 · answered by MoniqueLise 3 · 0⤊ 0⤋
Well, if you are in a group insurance plan, no. It is all done on averages with some sick folks and some well folks. If you (or your parents) are in an individual plan now I think the answer is also no, but I am not as sure. If they switch individual plans they may have a surcharge but the most significant part is that when you go to a new plan "pre-existing" illnesses are not covered.
On the other hand, mild asthma is not that serious a condition to warrant too much worry. Good luck.
2007-02-12 20:49:38 · answer #2 · answered by Mark Y 2 · 0⤊ 0⤋
Health insurance does not go up for you b/c you are ill.
Every year the company your parent works for renews it's policy & the premiums are adjusted accordingly. The employer & employees share the cost.
It's not an individual policy like car insurance which can go up.
Keep in mind though if you no longer have coverage once you're off your parent's plan, if you do not get another plan (Have a gap in coverage) you could have difficulty getting coverage for your asthma because of PreX. Asthma would be a prexisting condition. Make sure you always have coverage and you'll be fine.
2007-02-12 20:50:11 · answer #3 · answered by ♣Hey jude♣ 5 · 0⤊ 0⤋
The health insurance probably will go up, but not as a direct result of your diagnosis. (Bonus points to you if you're well-controlled!) Health insurances across the board is getting more expensive. (Aetna, for example, raised their rates 40% for everybody.)
2007-02-13 10:27:19 · answer #4 · answered by zippythejessi 7 · 0⤊ 0⤋
health insurance may go up a little, with any new policy just be honest and tell them, they will contact the GP if they want to.
2007-02-12 20:45:26 · answer #5 · answered by rose_merrick 7 · 0⤊ 1⤋
In most cases, it will have little or no affect on your parents' premium.
2007-02-12 21:58:23 · answer #6 · answered by Insurance Biz CT 5 · 0⤊ 0⤋