It is very common for medical insurance companies to deny coverage to an individual that has a pre existing medical condition. Even if an insurance company does except an a person with a per existing condition, they will often not provide coverage for any treatments or medications related to this condition. When you turn in an insurance application, to a medical insurance provider, they go through each detail carefully to see if there is anything that looks as if you were being dishonest. They will also review your application if a serious illness arises while you covered under their insurance plan. If the insurance company believe that you were dishonest they will deny you applications, and if already covered your application will be canceled.
If a serious illness is diagnosed short after your cover begins, the medical insurance companies become skeptical and will start looking into your application for any discrepancies. They may even think that it was a condition that was not disclosed and refuse to pay for treatments related to the illness. In order for the insurance company to cover this illness the patient must present them with medical records to prove that there is no history of this illness in your medical background.
Medical insurance companies have these policies in place, unfortunately, because there have been many instances of individuals lying on their application, or purposely withholding medical records, in order to acquire medical insurance with a less expensive premium. In order to reduce expenses, and therefore keep the costs down for everyone else they are providing insurance to, the medical insurance companies must respond this way if the circumstances surrounding a serious medical condition seem suspicious. Again, it is up to the individual in these scenarios to obtain all of the relevant medical documentation to prove that there was no pre-existing condition, and that they were not lying on the insurance application form.
An existing medical condition does not mean that you will definitely be denied an insurance policy, however it may limit or exclude coverage for any expenses related to the condition. Lets just say that their is a patient who requires physical therapy for their knee, they get a new medical insurance plan and then it is decided that the only way for the knee to truly be repaired is by surgery. Since this is a pre existing condition the insurance company may decide not to pay for the cost of the surgery, even thought they were paying for the physical therapy.
Several years later this same patient reapplied to the same health insurance company and was accepted without any exclusions. The Underwriting guidelines had been changed during those years and the old ones no longer applied. Unfortunately, everyone is always subject to current Underwriting guidelines and they can often cause someone to be rejected as a potential insured.phrase-c
When shopping for self employed insurance you will want to be sure to compare health insurance plans that you have obtained. This can be done in minutes if you go to www.healthinsuranceplace.com.
