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Health Insurance and Pre-Existing Conditions Spanish Fork UT

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.

scartreatmentas
(801) 765-9400
1958 South 950 East Provo,Utah -United States
Provo, UT
Prices and/or Promotions
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Young Family Dental
(801) 224-0222
1834 South State Street
Orem, UT
 
Mountain Crest Dental Care
(801) 225-2640
344 West 920 North
Orem, UT
 
Holladay Orthodontics
(801) 278-7272
2080 Murray Holladay Road
Salt Lake City, UT
 
scartreatmentas
(801) 765-9400
1958 South 950 East Provo,Utah -United States
Provo, UT
Prices and/or Promotions
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Employee Benefit Plans, Inc
(801) 221-5984
704 West 580 South
Orem, UT
 
Monarch Dental
(801) 225-3300
575 E. University Pkwy
Orem, UT
 
Monarch Dental
(801) 225-3300
575 E. University Pkwy
Orem, UT
 
Young Family Dental
(801) 224-0222
1834 South State Street
Orem, UT
 
Abacus Health Insurance Salt Lake City
(801) 386-7686
1149 South 1800 East
Salt Lake City, UT
 

Health Insurance and Pre-Existing Conditions

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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:

  1. 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.
  2. 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.
  3. Public assistance plans: While no one wants to go ...

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Utah State Mandated Health Insurance Coverage

Medical insurance benefits that insurers must provide include: alcohol/substance abuse, anti-psychotic drugs, breast reconstruction, cleft lip and palate, dependent coverage (including newborns, adopted children, noncustodial children or stepchildren, dependent students/adults, disabled dependent adults), diabetes self-management and supplies, emergency room service, licensed health professional, maternity minimum stay, mental health, PKU/metabolic disorder, podiatrist, psychologist, psychotropic drugs, well child care

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