How To Avoid Being Excluded With Pre-existing Medical Conditions
Let's face it; some people are just not profitable for insurance companies to ensure. However, like age, this is a valid practice for insurance companies and many people with pre-existing conditions get excluded. Throughout the many different waves of health reforms that come through in these years, pre-existing conditions are great concern to consumer's looking to get insurance. Here we will speculate on ways to avoid exclusion.
Medical reform has tried to give people with pre-existing medical conditions more leeway in society. First things first, we are not professionals, nor attorneys, and we are definitely not providing legal advice. Please consult with professional advice in your local area to see what state laws apply, since everybody's situation is different. Sometimes you have gaps in your coverage such as being between employers, or when COBRA policies run out. Sometimes you decided to get a temporary health policy, which made you excluded for certain pre-existing medical conditions in the future.
Often times one of the first things health insurance agents will ask you these questions about your medical history. They also want to see your provider history, although with HIPPA laws, consumers are protected to a certain extent. HIPPA laws were created to protect consumer rights and limit access to private health files.
However, you might start by asking you to fill out a questionnaire with simple questions like "do you smoke?" Often times, insurers will use a questionnaire like this and then ask you to sign a seemingly innocuous statement with your signature. What they're really doing is getting around many of the consumer laws in place legally, and is asking you directly. The insurer is not necessarily trying to trick you for anything, they're asking you to volunteer to give past lifestyle questions. This information is used to qualify, and determine if you are a good candidate for insurance.
Often times these questioners will ask you to certify you're not lying. If you fudge your answers, and later on they do an investigation into your profile (if they have reason to), they can immediately terminate your insurance contract with a contradictory statement.
They might ask questions about your extended family, as well as the health of your parents or relatives. Again, this is another way health insurers might try to see what your family profile is like. If they know they your dad has diabetes, chances are they'll put that into their risk model that you might acquire diabetes. After all it's not a question that family history directly informs their risk model. The laws governing health privacy are complex, so these questions you should ask attorney you can trust. HIPPA laws are federal laws that were designed to help employees move from one job to another, even while the employee or family members have medical conditions that would otherwise be turned down when you acquire a new group health insurance with your new employer. Basically, in the past people with health conditions would lose their jobs, and then get a new job only to find they didn't qualify for health insurance for X reasons. These ex-reasons were pre-existing medical conditions that insurance companies have deemed were unprofitable. For example, pregnancy is not considered a pre-existing condition any further. This law was created in 1996. We're not even yet touching on the health care reforms of Mr. Obama in 2010. That is why you need to speak to a professional before taking any action.
Medical reform has tried to give people with pre-existing medical conditions more leeway in society. First things first, we are not professionals, nor attorneys, and we are definitely not providing legal advice. Please consult with professional advice in your local area to see what state laws apply, since everybody's situation is different. Sometimes you have gaps in your coverage such as being between employers, or when COBRA policies run out. Sometimes you decided to get a temporary health policy, which made you excluded for certain pre-existing medical conditions in the future.
Often times one of the first things health insurance agents will ask you these questions about your medical history. They also want to see your provider history, although with HIPPA laws, consumers are protected to a certain extent. HIPPA laws were created to protect consumer rights and limit access to private health files.
However, you might start by asking you to fill out a questionnaire with simple questions like "do you smoke?" Often times, insurers will use a questionnaire like this and then ask you to sign a seemingly innocuous statement with your signature. What they're really doing is getting around many of the consumer laws in place legally, and is asking you directly. The insurer is not necessarily trying to trick you for anything, they're asking you to volunteer to give past lifestyle questions. This information is used to qualify, and determine if you are a good candidate for insurance.
Often times these questioners will ask you to certify you're not lying. If you fudge your answers, and later on they do an investigation into your profile (if they have reason to), they can immediately terminate your insurance contract with a contradictory statement.
They might ask questions about your extended family, as well as the health of your parents or relatives. Again, this is another way health insurers might try to see what your family profile is like. If they know they your dad has diabetes, chances are they'll put that into their risk model that you might acquire diabetes. After all it's not a question that family history directly informs their risk model. The laws governing health privacy are complex, so these questions you should ask attorney you can trust. HIPPA laws are federal laws that were designed to help employees move from one job to another, even while the employee or family members have medical conditions that would otherwise be turned down when you acquire a new group health insurance with your new employer. Basically, in the past people with health conditions would lose their jobs, and then get a new job only to find they didn't qualify for health insurance for X reasons. These ex-reasons were pre-existing medical conditions that insurance companies have deemed were unprofitable. For example, pregnancy is not considered a pre-existing condition any further. This law was created in 1996. We're not even yet touching on the health care reforms of Mr. Obama in 2010. That is why you need to speak to a professional before taking any action.
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