Can you get health insurance with diabetes

Health insurance companies now can't turn you down or charge you more for health insurance just because you have a medical condition. They also can’t make you wait before getting or continuing treatment, and they can't drop your coverage.

These protections all come from the Affordable Care Act .

Pre-existing conditions are health problems you already have at the time you apply for health insurance. They can include:

Will health care reform laws make it easier to include a child with an ongoing health problem on my insurance plan?

Yes. As part of the Affordable Care Act, since September 2010, insurers are no longer allowed to deny health coverage to children younger than 19 because of a pre-existing condition.

Will needing insurance coverage for a pre-existing condition make me have to pay higher premiums?

Starting in 2014, health plans can no longer use pre-existing conditions as a reason to charge you more each month for your premium.

Health plans will be allowed to adjust premiums based only on:

  • Whether you have an individual or family plan
  • Where you live, since medical costs are higher in some areas than others
  • Your age
  • Your current and past use of cigarettes or any other tobacco product

What should I consider when shopping for a plan if I have a chronic condition?

  • Drugs: Check your plan’s drug formulary, a list of prescription medicines a health plan covers, to anticipate your drug costs.
  • Self or care management: These programs are covered under plans bought through the Affordable Care Act Marketplaces.
  • Doctor visits: Consider how often you’ll need to visit the doctor, including any specialists, for your condition. Make sure they are in your network to avoid higher out-of-pocket costs.

Kaiser Family Foundation: "Health Insurance Market Reforms: Pre-Existing Condition Exclusions," "Health Insurance Market Reforms: Rate Restrictions."

HealthCare.gov: "At Risk: Pre-Existing Conditions Could Affect 1 in 2 Americans" "What is a Pre-existing Condition?" "How will existing employer health plans be affected by health reform?"

Health Insurance 101: Key Regulation Concepts: "Pre-existing Conditions."

Health Affairs: "Updated: Pre-Existing Condition Insurance."

Related Posts

Can you get insurance on shoes

Medicare Part B (Medical Insurance) covers the furnishing and fitting of either one pair of cu...

Can you get insurance with a suspended license

Your driver license may be suspended by your local Department of Motor Vehicl...

Can you get weekend car insurance

If you’re planning a weekend away or just running errands, you may need to drive a car other...

Can you go to jail for no proof of insurance

You are here Driver Responsibility No Proof of Insurance ...

Can you have car insurance without a car

When renting a car, you need insurance. If you have adequate insurance on your own car, includ...

Can you insure 1 car twice

My issue i have is this, we currently have two cars that we own, one being the Mondy used dail...

Can you insure two cars under one name

G-ZUS Hey guys I have my own insurance policy with no one on it. Is it possible t...

Can you pay medical insurance premiums with hsa

At a time when insurance premiums are on the rise, everyone is looking for a way to stretch t...

Can you purchase short term disability insurance

Make sure your paycheck is protected during a short time away from work. Short-term d...

Can you register a car with insurance from another state

Few things are quite as exciting as buying a car. Sadly, a fresh set of wheels usually comes w...

Can you run a business without insurance

You may need permission or separate insurance to run a home business, and you’ll need to che...

Canada company insurance life

Life insurance can be used to provide financial security and income for those you name as bene...