Insurance Companies That Cover Pre-Existing Conditions

Finding quality health insurance when you have a pre-existing condition can be a tricky business. Once you have been diagnosed with an illness like diabetes, asthma or heart conditions many insurance companies won't cover your ailments, and others will have certain restrictions or higher premiums. Coverage from the same company can vary according to state law or illness and choosing the right policy can be quite confusing. While it is possible to find insurers that cover pre-existing conditions, it is important to read and understand all the details and costs of the policy before making a decision.

First Preferred Insurance

• First Preferred Insurance offers a selection of GetMed plans that are designed for customers with pre-existing conditions. Some of the benefits of this plan include visiting an in-network doctor for a $20 co-pay, a $1,000.00 per day emergency room benefit, $2,000 per day intensive care coverage and full coverage for ground or air ambulance services. Other plan inclusions are $10,000 in critical illness insurance and $10,000 guaranteed issue term life insurance.

  First Preferred Insurance

  800-948-5876

Blue Cross Blue Shield

• Blue Cross Blue Shield (BCBS) medical insurance coverage varies from state to state according to state laws and regulations. Depending upon the nature of your ailment, you can often purchase a policy that will cover your condition. Typically, a 12 month waiting period is required before the policy holder is able to obtain BCBS coverage for a pre-existing condition. In other instances you may be able to obtain coverage for a pre-existing condition by paying an increased premium.

  BCBS Headquarters, Chicago

  225 North Michigan Avenue

  Chicago, IL 60601

  bcbs.com

United Health One

• Though coverage guidelines vary nationwide, United Health One offers pre-existing condition coverage as an optional inclusion -- with increased premium -- for clients with certain pre-diagnosed afflictions or illnesses. Pregnancy is never eligible for inclusion in a new plan, however, complications in pregnancy often are. Typically, United Health One requires that you complete a 12 month waiting period before pre-existing conditions become eligible for coverage.

  United Health One

  7440 Woodland Dr

  Indianapolis, IN 46278

  317-715-7111

  uhone.com

Aetna

• Aetna health insurance offers coverage to clients with pre-existing conditions with rules and restrictions specific to individual cases and state regulations. Depending on the nature of your pre-existing condition, certain exclusions may apply to the level of coverage included in your policy within a certain waiting period after obtaining the plan. Waiting periods are typically six to 12 months and increased premiums or deductibles may apply.

  Aetna

  151 Farmington Avenue

  Hartford, CT 06156

  860-273-6382

  aetna.com