Usually yes. Some companies do not make you pay more for pre existing conditions. You would have to look at each insurance company or call them to see if they care about pre existing conditions.
I'm not sure about that but I think that softer mattress are good choice for people with back problems and doesn't have good health insurance cover the cost.
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Individual health insurance can help you by giving you something to fall back on, if your family health insurance fails, or something bad happens in the future.
Maybe - it depends on the form (contract language) in your regular health insurance policy, and the nature of your future back problems. Since Comp has lifetime medical benefits for on-the-job injuries (provided you placed your claim in a timely manner, etc.) you shouldn't need to access your own health coverage for back problems related to your injury. However, if you don't have a group plan, there's a chance your health insurer will exclude your back from claims, even if a future problem is unrelated.
Back Problems
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Having health insurance is very important. It provides a back up plan for those who cannot pay for their medical treatments or surgery. More people should apply for health insurance to help others.
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It depends on how the insurance policy is worded. Call the health insurance company and ask what timely filing limit is. Most insurance companies will go back 1 year from the service date. Sometimes it will be less.
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Pet insurance is very expensive, and like house insurance you can put hundreds of dollars into it and your dog may not require using the health insurance until they are much older. However, health insurance also cuts back the cost of the shots the dogs need during the year. You don't really see the investment in this until your dog has a more major problem. If you have a large dog with a low-slung back-end (boxers, grey hounds, German Shepherds, etc.) then their chances of having "hip displacia" is almost certain and any procedure the vet will do will be costly. Border Collies are prone to eye problems (some go blind later on and also can have hip problems) and small dogs can have joint or back problems and respiratory problems as well. The draw-back on Pet Insurance is you have to get it before your dog gets ill with a certain health problem. ie: Your dog has to have x-rays and an operation for hip displacia and then you want the insurance. They won't cover it! If your dog has the above, but has another problem in the body then it will cover this particular problem as long as the dog didn't have it before the time you got the health insurance. To get the best out of insurance, you would ideally want to insure them as soon as you can. Preferably when they are young like 1 or so because companies wont cover claims it if is a pre-existing conditon. This doesnt mean you shouldn't get insurance when they are older. Also, please ready each plan carefully and be sure it's a good one for the money. I'd go "mid price" and be sure it covers emergency calls.
Check out your States department of insurance found on line. I imagine you would have to sit for the exam again.