If you have a health issue that started before getting a new insurance plan, you might wonder: Will my insurance cover it? Will I have to pay more?
The good news is that having a pre-existing condition does not mean you can't get health insurance. In fact, most major health plans today do cover pre-existing conditions. Let's dive into what that means for you.
What Is a Pre-Existing Condition?
A pre-existing condition refers to any illness, injury or health issue that was present before your new health plan takes effect. Some common examples include:
- Diabetes
- Asthma
- High blood pressure
- Cancer
- Heart disease
Even conditions like allergies, depression or past surgeries may be considered pre-existing by some insurers.
Will Health Insurance Cover Pre-Existing Conditions?
Yes! Today, most health insurance plans cover pre-existing conditions without charging extra or making you wait. This means that whether you're signing up for a new plan through work or on your own, your past health issues should not affect your ability to get coverage.
However, some types of short-term or limited coverage plans may still have restrictions. If you're considering one of these plans, check the details carefully to see what they do and don't cover.
Will There Be a Waiting Period?
For most comprehensive health plans, coverage for pre-existing conditions starts immediately when your policy becomes active.
But certain types of temporary or special coverage plans may have waiting periods, meaning you might have to wait a few months before your pre-existing condition is covered. Always read the fine print before choosing a plan.
What If You Lose Your Insurance?
Losing health insurance can feel stressful, but there are options. If you lose coverage due to a job change or other life event, you may qualify for a special enrollment period to get a new plan without gaps in coverage.
Another option could be extending your previous employer's plan for a limited time, but this can be expensive. Weigh your options carefully before deciding.
Having a pre-existing condition won't stop you from getting health insurance anymore. Plans today are designed to provide coverage no matter what your health history is.
If you're looking for a new health plan, contact us to know your options and choose one that fits your needs. Your health is important; the right coverage will help you stay protected!
