Buying Health Insurance With A Pre-existing Condition

Nevada Insurance Enrollment Answers the Question: Can I Get Covered?
LAS VEGAS - Dec. 2, 2021 - PRLog -- You may assume that since you have a pre-existing condition, you'll pay a higher premium than someone who is in perfect health. However, an insurer cannot reject you, refuse to pay for health benefits pertaining to your illness or injury, or charge you a higher premium because of your condition. Once you're enrolled in the health insurance plan, the insurer can't deny you coverage or raise your rates based only on your health. Smoking rates can be higher than non-smoking rates, however.

Purchasing a Health Insurance with a Serious Pre-Existing Condition
Prior to 2014, purchasing individual healthcare with a pre-existing condition, an insurer might have declined covering your condition, or they might have denied you coverage altogether. However, now with the ACA, insurers must provide individual health insurance (with the "10 essential health benefits") that can no longer exclude, limit, or deny coverage solely because of a pre-existing condition.

Here are the 10 essential health care benefits:
♦ Ambulatory patient services (outpatient)
♦ Emergency Room
♦ Hospitalization
♦ Maternity and newborn care
♦ Mental health and substance abuse
♦ Prescriptions
♦ Laboratory
♦ Rehab and habilitative services
♦ Wellness and preventative services
♦ Pediatric dental and vision

When Can I Enroll For Health Insurance?
The ACA (Affordable Care Act) eliminated the restrictions on coverage for pre-existing conditions, meaning that those who have a pre-existing injury or illness no longer have to go through a waiting period for their pre-existing conditions to be covered. For this reason, coverage can generally only be purchased during the "Open Enrollment Period" which is November 1st through December 15th each year. There is a handful of qualifying life events such as, a change in residence from one state to another, birth, or adoption of a child, etc. These life events will trigger a "special enrollment period" and allow you to enroll/make changes without having to wait for your plan to start. If you don't have a "life event" or it's not "open enrollment", you will have to wait until the next "Open Enrollment" period.

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Learn more:

Nevada Insurance Enrollment
4260 W. Craig Road suite #150-A
North Las Vegas, NV 89032

(702) 898-0554

Nevada Insurance Enrollment
Shelly Rogers
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Tags:Health Insurance
Location:Las Vegas - Nevada - United States
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