Discriminating against insurance enrollees because they have pre-existing conditions will become illegal in 2014, but those who need coverage now cannot wait. Here is some of the best health insurance for people with pre-existing conditions.
Pre-Existing Condition Insurance Plan, or PCIP
This plan is for people who have gone for at least half a year without coverage because they have conditions like cancer, lupus, diabetes or other illnesses. The program is federally funded, and it includes coverage rates that match those for people who do not have such conditions. It is important to note that this is a temporary program; it will be phased out when the new laws take effect in 2014.
Association Group Insurance
With the Association Group Insurance option, you cannot be turned down because of your medical history. These plans are designed to be as affordable as possible, and they offer fixed-dollar coverage for essential care and procedures. This makes them ideal for people who have to deal with large deductibles for items that are specifically related to their conditions. It also ensures that these individuals not get left out in the cold as far as regular doctor's visits and lab tests are concerned.
Major Medical Insurance
Major Medical Insurance plans are a step up from normal Association Group Insurance plans because they provide for the seriously expensive procedures that you may need because of your illness. Things like surgery, emergency room visits and MRI, CAT and PET scans are all covered on either a 100-percent or first-dollar basis. In addition, these plans completely eliminate wellness testing waiting periods and include unlimited copay doctor visits so that you can stay on top of your illness as it progresses.
Critical Illness Insurance
The fact that many illnesses are often accompanied by serious complications makes high-risk health coverage some of the best health insurance for pre-existing conditions. For instance, invasive cancer, strokes and diabetes all have the potential to spread to other parts of the body or cause new negative effects elsewhere. Critical Illness Insurance reduces the extremely high costs usually associated with treatment of serious diseases, and the freedom to decide how the money is spent makes it easier to handle associated factors like lost wages.
Supplemental Insurance
Supplemental insurance plans from iCan may help you transform your current policy into some of the best medical insurance for pre-existing conditions. By allowing you to increase coverage for the procedures and treatments you need most, our supplemental plans drastically reduce long-term care costs. To learn more about the best health insurance for pre-existing conditions that patients can buy, view iCan health insurance plans today.
