Health Insurance Providers for Pre-existing Conditions

Those with pre-existing conditions are often denied health insurance policies. In some cases, a person can obtain health insurance, but their preexisting condition is excluded from receiving coverage. Fortunately, there are options available for those suffering from a pre-existing condition.

Health Care Providers

• According to Health Quote 360, there are a few companies that offer top-notch health insurance for those with preexisting conditions. Some popular companies include Aetna, Assurant, Blue Cross Blue Shield, Celtic, United Healthcare, Humana One, Kaiser Permanent and Unicare. Although there are various companies that insure those with preexisting conditions, the premiums are often more expensive.

Considerations

• There are steps that a person can take to obtain health insurance with a pre-existing condition. Acquiring insurance through an employer is an excellent option. Individuals who cannot obtain insurance through an employer can find out if their state has a high-risk pool. High-risk pools ensure people with pre-existing conditions.

Pre-existing Condition Insurance Plan

• According to the Insurance Journal, in July 2010, the U.S. Department of Health and Human Services launched an initiative called the Pre-existing Condition Insurance Plan. The plan offers coverage to Americans who cannot obtain insurance coverage because of a pre-existing condition. The government created the plan to keep Americans from being locked out of the health insurance market.