Preexisting Conditions refers to the medical conditions suffered by the insured individual prior to obtaining their health insurance plan. Individuals who have pre-existing conditions can be denied from BCBS of Missouri. Sometimes these individuals have to pay a costly premium for their health coverage due to their health condition. However, the good news is that there are some insurers who are willing to provide coverage for these individuals although it may have some restrictions.
There are several types of Preexisting conditions. The more common ones include diabetes, arthritis, obesity, depression and fibromyalgia. Pregnancy can be considered as preexisting condition. But there are some insurers who do not recognize pregnancy as a preexisting condition. Each insurance company such as BCBS of Missouri has their own list of health conditions which are considered as preexisting conditions. They also have their own set of standard when it comes to insuring these individuals who have preexisting conditions. If you want to obtain more information, you can get in touch with an agent from BCBS of Missouri in order to analyze what particular health plan options fits to your needs.
Oftentimes, insurance companies such as BCBS of Missouri require new members to go through a waiting period before they can enjoy health coverage for their health insurance policy. Sometimes the waiting period can be from 12 to 18 months before the insurance companies will pay the medical bills for their preexisting conditions. Individuals who have preexisting conditions can obtain protection from the Health Insurance Portability and Accountability Act. Under this act, the new company will pay for the treatments of preexisting conditions. This act also allows members who are previously under a group plan to enjoy coverage for their preexisting plans as long as they meet specific criteria. Some states provide high risk insurance pools to individuals with preexisting conditions.
Call us today at 800-396-8393 to get started with Missouri insurance with the help of our EhealthMO.com agents.