Get Health Insurance That Covers Pre-Existing Conditions
Getting health insurance when you have a pre-existing condition such as diabetes or depression can be a challenge. Health insurance companies have no obligation to insure you, and many providers routinely deny coverage to individuals who will cost the insurer too much because of the type of treatment they need. The best way to get health insurance that covers pre-existing conditions is to join your employer's group plan, but that is not an option for everyone. If you need individual insurance that covers pre-existing conditions, you'll have to shop around.
Instructions
1. Talk to your company's human resources or benefits department about joining the company's group plan. Sign up. You may have to wait a specified period of time, often 12 months, before the plan will cover a pre-existing condition.
2. Apply for coverage through COBRA. If you're losing your insurance because you are changing jobs or getting laid off, the Consolidated Omnibus Reconciliation Act (COBRA) allows you to keep the insurance you have, provided that you pay the premiums that were previously covered by your company, according to CNNHealth.com. This is often expensive, but can cover you until you can find other insurance options.
3. Join a group that offers a group health plan. Professional organizations often offer group health insurance plans to their members. Check with any organizations that you belong to, including your local Chamber of Commerce.
4. Create your own group. In some states, by creating your own company you can become a "group," even if you are an individual. However, you may have to form a group of two or three. You can then apply for group insurance coverage through the health insurance companies.
5. Look for a high-risk pool. Many states offer a high-risk pool--insurance that covers people who would otherwise be uninsurable. Unfortunately, there is no price cap on this type of coverage and you may find it to be quite costly.
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