| An educated consumer is a smart consumer, use this | | | | providers that will cover your condition, compare the |
| article to better your understanding for obtaining | | | | differences and conditions of the policies to determine |
| affordable health insurance. Affordable health | | | | which is best for you. |
| insurance for someone with pre-existing conditions can | | | | - Insurers often have delayed treatment provisions |
| seem very elusive to obtain, but in reality, it's your | | | | (exclusion periods), which delay treatment of |
| effort that generally determines your insurability, and | | | | pre-existing conditions for anyone previously |
| your insurance cost. According to a 2007 report by | | | | diagnosed. Delays are usually 3, 6 or 12 months, in this |
| United Health Foundation, 15.9 percent of all Americans | | | | case it is important to leave your current policy in place |
| are uninsured. | | | | for this time frame while switching providers, or find |
| If you feel your health insurance is too expensive, or | | | | temporary filler like a state sponsored risk pool. |
| you have been denied insurance due to a Pre-Existing | | | | - See if your employers sponsored group health care |
| Condition (injury or sickness). Then it's time for you to | | | | plan will cover you. |
| buckle down and sharpen your skills because I'm here | | | | - Join a professional organization like your local |
| to ensure you that you can improve your situation. | | | | Chamber of Commerce or other community non-profit |
| Steps to affordable insurance | | | | groups that may have membership health plans. |
| - Check to see if you have a state sponsored risk | | | | - Purchase a discount health card. Discount health |
| pool, these pools help if you have been denied | | | | cards are simply a means of letting consumers -who |
| affordable health coverage due to pre-existing | | | | pay a fee, usually monthly, purchase health care |
| conditions. State risk pool insurance plans can very | | | | products and services from specific providers at |
| greatly for benefits, eligibility and funding. These pools | | | | discounted rates. |
| often help individuals fill the gap in insurance coverage | | | | The good and the bad: While it may not seam fair that |
| and can offer a temporary stop while shopping and | | | | your conditions have caused you so much turmoil |
| changing insurers. | | | | physically, emotionally and financially, remember, |
| - Not all insurance providers are created equal. Shop | | | | Persistence will provide, and one sure fact is that the |
| websites that provide multiple quote comparisons from | | | | current insurance market is so large and so |
| large pools of providers. This will reveal different | | | | competitive that if you put the time in, you will almost |
| options for obtaining affordable insurance based on | | | | certainly find a policy that works for you. The best part |
| your conditions since different providers view various | | | | is, you can do it from the comfort of your own home, |
| conditions differently. Once you have found several | | | | shop multiple quote sites and be persistent! |