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Tips to Navigate Insurance With Pre-Existing Medical Conditions


Many people are now purchasing health insurance, and many of those purchasing healthcare insurance have pre-existing medical conditions. People who have pre-existing medical conditions often feel that they may not be able to purchase health insurance. However, there are several ways for people with pre-existing medical conditions to purchase health insurance. There are also some specific steps that people with pre-existing medical conditions can take to make sure that their health insurance will cover them in the event of a claim.

Tips to Navigate Insurance With Pre-Existing Medical Conditions

Check for Favoring Policies

Check if you can get a policy through the federal government’s insurance exchange. The health exchange offers health insurance plans that won’t require you to disclose past medical conditions. If you have a pre-existing condition, you’ll be able to get coverage through the federal exchange. Some states have created high-risk pools to help people with pre-existing conditions find affordable insurance. If your state has a high-risk pool, you may be able to qualify for an individual policy that will cover you and your family.

Shop for a policy with a low deductible

A high deductible can be a problem for people with pre-existing conditions because they may not have enough money in their insurance account to pay the deductible before their coverage kicks in. If your insurance plan has a high deductible, calculate how much money you will need to set aside each month before your coverage begins.

Consider a Policy that Guaranteed Renewability

Some policies have lifetime limits on the amount of money paid out for your medical care. If you have a pre-existing condition, you may want to avoid a policy with a lifetime limit. This can be especially important if your condition is chronic or life-threatening. A policy with guaranteed Renewability means that the insurance company must continue to offer you coverage for as long as you pay your premiums. Policies that don’t offer guaranteed Renewability may not want to continue to insure you if your health changes and your costs go up, so it’s important to learn about the terms of your policy before you sign on the dotted line.

Check for Coverage for Specific Conditions

You can check your insurance policy to make sure that it covers the specific condition. If you have an expensive condition, you may need to switch policies or find a supplemental insurance plan to cover the cost of your treatment. A supplemental insurance plan is an optional coverage that you can buy on a regular health insurance policy. Mike Raines Special Risk Term Life Insurance is the best insurance plan for people with pre-existing conditions.

Work within your Financial Status

If you’re not eligible for insurance through the government or an employer, you may be able to apply for a high-risk plan. You can also look into high-risk pools in your state. These programs are designed to help people with pre-existing conditions get affordable insurance. If you live in a state that doesn’t have a high-risk pool, look into individual policies that cover pre-existing conditions.

Explore High-Risk Plans

High-risk plans are available through the federal health insurance exchange if you can’t get coverage through an employer or an existing health plan. The federal health insurance exchange website will tell you if your state is participating in this program and how much it costs to join it. The website will also show what plans are available to you and whether they cover your conditions. If your state has a high-risk pool, explore that option before purchasing a policy from the federal exchange because these policies may be cheaper.

Check out health savings accounts (HSA)

HSA plans allow you to set aside money in a tax-free account that can be used for medical expenses. If you have a pre-existing condition, you may want to consider a health savings account. It is important to understand that the tax benefits of an HSA are not automatic. The IRS will only allow you to make the contributions if you meet certain requirements, such as being under age 65, having no more than $2,500 in HSA funds at any time, and having an income below a certain limit.

Use an Insurance Life Insurance Agent

People with pre-existing conditions are often denied term life insurance because of the high risk. When this happens they are left to find illness-specific policies like polycystic kidney disease life insurance. Finding this on your own is possible, but an insurance agent can help you find the best policy for you based on your needs.

Consider Short-Term Insurance

If you have a pre-existing condition, you may be able to get short-term insurance for up to one year. After that, you can apply for long-term coverage. Short-term policies are designed for people who have had recent changes in their health status or have just gotten new health problems. Some short-term plans allow you to renew your policy if your health status does not change, but others will not renew the policy if there are no changes in your health condition(s). Short-term policies usually cost more than long-term policies because they are riskier for the insurance company. Short-term policies may be available through high-risk pools or the federal exchange website in some states. If you can’t get a short-term policy, you may be able to get a plan with the same coverage through your state’s high-risk pool.


This is the age of digitalization, and the internet has played a major role in making medical services accessible to everyone at the click of a button. The world has become a small place, and communication has become easier than ever. And as much as the digital world has its benefits, you need to be sure as you explore different policies. You now know to make more informed decisions regarding your health insurance needs.

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Shirley McGill is a freelance writer, content promotion specialist and social network marketing specialist with 4 year experience. As an entrepreneur, she is sure that viewers have access to very useful and useful tips that he uses to offer his clients social networking solutions. You can see Lisa's work on her site


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