Health insurance companies control costs by using a "pre-existing condition" clause which excludes the coverage of a medical condition that existed before you purchased the health insurance plan.
There are many components to health insurance that affect how much you pay in premiums every month. Understanding these different components and how they affect each other is important if you want to maximize your coverage while minimizing how much you pay every month. One of the biggest challenges you will face when obtaining Arizona medical insurance is in the handling of your pre-existing condition.
A pre-existing condition is classified as a medical issue that you have previously been treated for prior to obtaining your health insurance. Some Arizona medical insurance companies limit the time frame to the previous 12 months prior to the start of coverage. Insurance providers are leery of people with pre-existing conditions because it means that they will have to pay for medical bills associated with the disease the moment the policy takes effect. As profit minded entities, they would rather collect a few months or years of insurance premiums from you before they start paying your medical bills.
This means that if you have a pre-existing condition, then you may be denied health care coverage depending on the disease. As a contingency of accepting you as a client, you may have to agree to a waiting period of 12-18 months before the Arizona medical insurance company will start paying for medical care associated with your disease. The only time you are exempt from this waiting period is if you have had continuous coverage for the previous 18 months through another provider with no more than 63 days of time between insurance policies.
Almost always you will end up paying higher premiums because of your pre-existing condition. Therefore, it is important that you shop around to find the Arizona medical insurance policy that offers the right amount of benefits at the price you are comfortable paying. A knowledgeable health insurance agent can provide you with quotes from multiple companies and help you do a comparison between each of them so you can find the best policy for the price. It is possible to get health insurance if you have a pre-existing condition. Take your time and be persistent. You will find the right health care coverage for you.
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