Getting Health Insurance with a Preexisting Condition

Health problems are a pretty big deal and it is no wonder why they can be absolutely terrifying even with health insurance coverage. What happens if you have health problems with no insurance though? 

It happens all over the country and while the health care reform is hoping to lessen the numbers of those that go without the option for health care, it can still be quite a challenge to attain the care you need for your conditions.

There are many factors as to why a company can deny your health insurance coverage, but typically it will come down to one simple factor. Just how much are you going to cost them? 

An insurance company wants you to pay in without them having to ever payout much. It is how they make their money and why many companies will deny coverage to those with preexisting health conditions.

Know Your Options

They key to getting health care when you already have some kind of health condition is to know your options and not give in easily. Obviously, your first step is to talk to your employer, find out if they have health care options, and determine what you need to do to get on the plan. 

Ask if your employer is considering adding a company health care plan in the future and respectfully make your case and explain your situation. A decent employer may be more understanding than you might think.

The reason why getting insurance through your job is your best option is because an insurance company by law cannot exclude you on a group policy because of your health condition. 

Of course, we aren’t all in the same position and many of you may not have the option to turn to your employer, so what now? 

Now you work because if you don’t work hard and push for yourself, you will not see any results and be stuck without health insurance.

You will have to contact a lot of insurance companies and be prepared to pay the fees and costly payments of having your very own policy. 

At Linton and Associates, we have prepared a list of health care providers in New Mexico that may very well be able to assist you with your dilemma. 

Be sure to check it out here. Remember that if you have any questions or concerns, feel free to contact us and we would be more than happy to assist you in any way we can.