If you have a chronic health condition like diabetes, obesity, high blood pressure, etc., and you’re looking to purchase a private insurance plan, you might have some questions. One thing that you might wonder is whether you can purchase health insurance since you have a pre-existing health condition. Serving the greater Weaverville, NC area, Dry Ridge Insurance Services is here to assist.
Understanding Insurance and Pre-existing Conditions:
Coverage Depends on the Specific Plan You Choose
Most health insurance companies will accept people with pre-existing conditions. Every plan is different, however, as some will charge you a higher rate while others won’t. This is why it’s important to thoroughly compare plans before making a final decision.
Possible Waiting Period
Some insurance plans will require you to wait a certain period before they will cover medical treatment related to your chronic condition. For instance, some insurance companies might refuse to cover anything related to a person previously diagnosed with high blood pressure until a year has passed. Any new conditions will be covered, but nothing related to hypertension. This is just an example, as every insurance company’s waiting period is different, and not all of them have waiting periods.
Benefits of Group Insurance
By opting for a group insurance plan, you can possibly avoid some of the stipulations involved in purchasing health plans for people with chronic conditions. Your insurance agent can assist you and answer any questions that you may have about choosing a health insurance plan.
Schedule A Consultation Today!
If you’re ready to purchase a health insurance plan and you’re in or near the Weaverville, NC area, then we here at Dry Ridge Insurance Services can assist you. We have many years of experience providing our satisfied customers with many types of insurance, and we’re ready to assist you as well. Call us for a quote today.
