Friday, March 25, 2011

The New Medical Climate How to Survive It.

In today's medical climate of ever growing changes, restrictions, cost increases and the so called insurance improvements really leave one if not many what is truth and what is real. First off I would like to say,"The stipulation about being able to switch insurances with pre-existing medical conditions only applies to the age of 19 and younger." If you are older than 19 well then think twice about what our President was presenting. Now as for pre-existing conditions many know that cancer of any form is considered a pre-existing condition. Simply the term that defines pre-existing is any medical condition that requires ongoing care.(A pre-existing condition is a medical condition that existed before you obtained health insurance, and it is significant because the insurer may not cover the pre-existing condition for the duration of the pre-existing condition period.

The pre-existing condition exclusion period varies by insurance company, and also by the State in which the policy is issued, because currently, State law regulates the terms and conditions of insurance policies. For example, some States have disallowed certain types of provisions, including medical conditions to which they might apply.)

This link is for people needing good rates for pre-existing conditions they are the middle man in finding you decent coverage at an adquate cost - We specialize in assisting individuals with pre-existing conditions obtain coverage, so you cannot be denied coverage based on your medical conditions. If you have a pre-existing condition, if you are considered high risk, or you have been declined before, we can get you covered with quality insurance with affordable rates. We have been in the insurance field for over 20 years focusing on life and health insurance only, so we know all of the ins and outs of insurance.
Pre-existing conditions are usually chronic and often costly conditions such as: 
heart problems 
mental illness 
Chronic Infections 
a pregnancy prior to coverage 
an injury which occured prior to coverage. 
multiple sclerosis, etc. 
certain allergies 
certain skin conditions
Hashimoto disease (thyroid)

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