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Sunday
Aug302015

Pre-existing conditions and health insurance in Georgia

ObamaCare has eliminated pre-existing conditions as a way to deny Americans health insurance. If you have a pre-existing condition and you were unsure if you could get health insurance because you were denied in the past, ObamaCare means you can’t be denied coverage, charged more, or denied treatment based on health status. Given that it is estimated that around half the people in the United States would qulaify as having pre-existing health conditions, this is big news.

Being sick or having a preexisting condition won’t effect the cost of your insurance or the availability of cost assistance.  However, if you plan to use a lot of medical expenses and/or prescription drugs, make sure to compare networks and drug formularies and shop for a plan with a low out-of-pocket costs like coinsurance, deductible, and copays.

A lot of health insurance companies have denied pre-existing health conditions in the past because they are considered to be preventable. These insurance companies offer wellness packages which would allow checkups and early detection.

The next open enrollment period is due to open in November 2015, but some people may be eligible to enrol now. For more information go to ..

Monday
Nov252013

Obamacare and pre-existing conditions

Starting in 2014, insurers can no longer deny or limit coverage due to preexisting conditions.

A preexisting condition is generally considered an illness or disability a person has prior to applying for health insurance coverage. Currently, the definition varies among states and even by insurance plans.

However, once the law takes full effect in 2014, that definition will lose its importance. Under the law, no one can be denied health care insurance for any reason, including an existing medical condition.

How do I qualify?

If you take out a new healthcare plan,  you will automatically qualify from 2014.

If you keep a plan that does not comply with the Affordable Care Act (a "grandfathered" individual plan), you may not be covered.

If you have one of these plans you can switch to a Marketplace plan during open enrollment and immediately get coverage for your pre-existing conditions from 2014.

Confused? If you are in any doubt, please contact us by email or phone and we will provide advice, free of obligation.

You've come to the right place: in this blog we give you unbiased advice on finding affordable health insurance from the many providers in GA., whether or not your qualify for Obamacare*.

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*Note that technical difficulties exist with the government's website and the advice that we provide may be limited at this time.

Medicaid and the Children's Health Insurance Program (CHIP) also can't refuse to cover you or charge you more because of a health condition.