Many insurance companies have strict rules governing pre-existing conditions. Some will sell insurance policies to those who are already ill; others will charge high rates, taking advantage of your need for insurance due to your medical history. The United States has called for health insurance reform to prevent companies from discriminating against people who suffer illness with no insurance coverage. Until this reform is passed, there are still a few avenues available to you as the consumer in order to secure insurance.
Step 1
Apply for COBRA if your job has been terminated. COBRA is required to offer you insurance coverage at the same rate that your employer paid. This will buy you at most a year to find and secure other coverage without lapse. COBRA cannot deny you for pre-existing conditions since it is linked to your former insurance.
Step 2
Check if your state has a high risk pool. This is a risky option as the insurance companies charge high prices; however, this may be the only way for you to obtain insurance if you have not had continuous coverage and do not qualify for Medicaid. Only 35 states currently have a high risk pool and insurance prices and premiums are not as regulated in this method.
Step 3
Apply for insurance coverage within 63 days of losing prior insurance. Most insurance companies will offer coverage with proof of continuous coverage and overlook pre-existing conditions.
Step 4
File a complaint with HIPAA's Office for Civil Rights at hhs.gov. HIPAA provides help with fair treatment of individuals regarding health care when discrimination has been made based on race, age, sex and disability. HIPAA may be able to mediate when you have been wrongly denied proper medical coverage.
Tips and Warnings
- Supporting the United State Health Reform Initiative can aid in changing insurance company treatment of applicants with pre-existing conditions.
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