Health Insurance and Pre-Existing Conditions Newport RI
East Providence, RI
Health Insurance and Pre-Existing Conditions
Health Insurance & Pre-Existing Conditions
Do you have a pre-existing medical condition? Have you been looking for insurance? Perhaps you've just moved from one job to another and are finally able to get health insurance through your employer, but you weren't previously insured and you've been under treatment for some health-related concern in this period.
At this point, it can be a tough process to find insurance once you've already proven that you need the insurance. After all, the risk you pose to the insurer has just gone up. Frankly, insurers prefer to insure people who are not likely to NEED the insurance.
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The terms used in the health insurance industry for coverage that will take someone with a pre-existing condition are open enrolment plans and takeover benefit's. It helps to use these specific terms when shopping for health insurance to communicate clearly the type of coverage you are seeking. Keep in mind that most U.S. health plans do not offer these features. Also, these plans have different meanings within specific health plans and both do not always go together, especially when enrolling in a new health plan without prior coverage.
Although this type of health insurance is available to everyone who cares to go through the steps necessary to locate an appropriate plan, the price of this coverage can be two to three times the amount of health insurance that does not offer this coverage. While most of these procedures are governed by federal law known as HIPAA, the specific procedures vary significantly from state to state.
Having said that, generally for individuals not eligible for commercial health insurance plans, there are three categories of health insurance plans that offer open enrolment and takeover of pre-existing medical conditions:
- Basic Health Insurance: Basic health insurance is a limited coverage plan that is available in most states. It admit's all applicants under age 70 and pays for pre-existing medical conditions after being enrolled for six months. As the name implies, this insurance covers limited items and not all medical costs. If this would meet your needs, see your state page at www.MedSave.com for information about availability, rates and enrolment.
- COBRA plans: COBRA is a very specific plan that is available if you are leaving a qualifying group plan. It does not apply if you have had insurance individually. If COBRA coverage might apply to you, you should contact your sponsoring employer or your group health plan directly to access benefit's.
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Rhode Island State Mandated Health Insurance Coverage
Medical insurance benefits that insurers must provide include: acupuncturist, alcohol/substance abuse, ambulance transportation and services, anti-psychotic drugs, asthma education and self-management, autism, birthing center/midwife, blood lead poisoning screening, breast reconstruction, cancer pain medication therapies, cervical cancer/HPV screening, chemotherapy, chiropractor, chlamydia screening, clinical trial (cancer), colorectal cancer screening, contraceptives, dependent coverage (including newborns, adopted children, dependent students/adults, disabled dependent adults, domestic partner and civil union), diabetes (self-management and supplies), early intervention service, emergency room service, facility (public or other), family therapist, first nurse assistant, hair prosthesis, hearing aids for minors, home health care, hysterectomy minimum stay, infertility services, in vitro fertilization, kidney disease, lay midwife, licensed health professional, lyme disease, mammography, marriage therapist, mastectomy (including minimum stay), maternity (including minimum stay), mental health, nurse (psychiatric, practitioner, off-label drug use, optician, optometrist, oral surgeon, orthotics, osteopath (D.O.), ovarian cancer screening, PKU/metabolic disorder, podiatrist, prescription drugs, professional counselor, prosthetics, prostate cancer screening, psychologist, second surgical opinion, smoking cessation, well child care