I have asthma. Can I be denied health insurance coverage?
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Asked July 14, 2015
Asthma was once a stumbling block for people applying for health insurance. Because asthma can begin early in life, it could create a preexisting condition which automatically made group health insurance difficult to find. Since insurance companies perceived the condition to mean higher costs, they used exclusion of it and other medical problems to keep their costs proportionately aligned with the premiums they took in. One of the primary goals of the Affordable care Act was to make health insurance available to all applicants. One provision of the wide-sweeping health reform requires a change in how insurance companies treat people with preexisting conditions. Where the companies had been able to deny coverage or exclude a preexisting condition from the coverage, the ACA means that all health insurance providers have to provide the same level of care to applicants.
This is one of the controversies of the ACA, because it sometimes drives the cost of health insurance much higher, or raises the deductible amount patients have to pay out of pocket. If your company increases your premiums, you may be able to find a better plan for less money by doing some shopping online.
Start with this website, because you can get a preferred quote along with quotes from other leading health insurers. The free online health insurance quote is free, and quotes are provided from insurance companies with respectable financial ratings from companies such as the A.M. Best financial ratings company. You will not have any problem finding a health insurance plan that covers asthma, diabetes, or other preexisting conditions, and you can begin the application process online, whenever is the best time for you.
Answered August 5, 2015 by Anonymous