Many individuals and families worry about paying high monthly premiums for health insurance because of a pre-existing condition. Thanks to the Affordable Care Act, health insurance companies are barred from denying you coverage or discriminating against you based on a pre-existing condition. Over 50 million Americans are now eligible for health insurance.
What is a Pre-Existing Condition?
A pre-existing condition is a type of health condition you may have been living with well before receiving a health insurance plan. These conditions include asthma, depression, cancer, diabetes, or even pregnancy. There are countless types of pre-existing conditions affecting people every day.
Before the Affordable Care Act (ACA), it was possible for health insurance companies to deny coverage or charge you a higher premium based on a pre-existing condition. The ACA also enacted annual and lifetime maximums, which means there’s a cap on the amount an individual may pay for out-of-pocket medical care. These maximums mean you won’t be stuck with a never-ending medical bill because of a pre-existing condition that requires ongoing treatment.
Common Pre-Existing Conditions
Here are some common pre-existing conditions that may be impacting your life:
- Sleep Apnea
- Clogged Arteries
- Alcohol or Drug Abuse
- Crohn’s Disease
- Kidney Disease
These conditions, and many more like them, once barred many people from receiving the affordable health care services they needed because of insurance costs. That’s no longer the case, though. You can get comprehensive health insurance for you and your whole family this year.
For top-rated health insurance services, call Health Reform Team at 833-839-2773. We’ll connect you with a fantastic health insurance policy for individuals and families. Give us a call today to get started!