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Understanding Pre-existing Conditions and Health Insurance

Understanding Pre-existing Conditions and How it Affects Your Health Insurance

Pre-existing conditions can be a confusing and intimidating topic when it comes to purchasing health insurance. As a company filled with multiple former insurance agents ourselves, we understand the importance of educating our clients and providing them with the information they need to make informed decisions about their health coverage.

What is a Pre-existing Condition?

A pre-existing condition is any health condition you have been diagnosed with or treated for before enrolling in a new health insurance plan. This can include things like high blood pressure, diabetes, and even a history of cancer.

How Does a Pre-existing Condition Affect Health Insurance?

In the past, insurance companies could deny coverage or charge higher premiums to individuals with pre-existing conditions. However, thanks to the Affordable Care Act (ACA), insurance companies can no longer do this. Under the ACA, insurance companies are required to cover individuals with pre-existing illnesses and cannot charge them more for their coverage.

That being said, not all health insurance plans are created equal. Some plans may have exclusions for specific illnesses, meaning that they won’t cover treatments or medications related to that ailment. It’s important to read the fine print and understand exactly what is covered before enrolling in a new health insurance plan.

What Can You Do to Get the Coverage You Need?

If you have a pre-existing condition, shopping around and comparing health insurance plans to find one that will meet your needs is important. Here are a few tips to keep in mind as you search for the right plan:

  • Look for plans that have a wide network of providers. This will give you access to the care you need when needed.
  • Check for any exclusions or limitations on coverage for your already existing ailment.
  • Consider enrolling in a plan with a high annual out-of-pocket maximum. This can help you manage costs if you need extensive medical care.
About Us

At Hometown Quotes, our goal is to provide you with the information you need to make informed decisions about your health insurance coverage. When searching for a health policy, consider coverage for pre-existing conditions, out-of-pocket costs, provider network, cost-sharing reduction, and premium tax credits. With this information in mind, you can find a policy that provides the coverage you need at a price you can afford.


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