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In general, yes. However, currently, an insurance company may exclude coverage for the illness for which the person is being treated. Often, the exclusion is for a specific period of time, and thereafter, even that condition is covered.
Health insurance and certain other forms of personal insurance, such as life insurance, are underwritten and priced with an eye to the physical health of the person to be insured. Therefore, even if coverage is provided for the current illness, the premium may be, and probably will be higher than for a person with no health concerns.
There are certain health conditions which an insurer may not consider in making the decision as to whether or not to issue a policy. Since insurance is primarily regulated by the states, state law may differ on this point. A common example is sickle cell trait. One of the reasons for this is that the condition affects primarily blacks, and were insurers allowed to deny coverage for this condition, they would be effectively refusing to insurer a particular racial group.
Irrespective of the actuarial soundness of such an exclusion, it is the position of virtually all state legislatures that this sort of "discrimination" is unfair, and it is prohibited by the insurance codes of all, or virtually all, states.
If an individual is unable to obtain indemnity health insurance due to one or more illnesses, an alternative, albeit an imperfect one, is a medical discount plan. This is an arrangement whereby the participant pays a monthly fee for access to a network of providers who have agreed to provide a menu of services for a reduced fee from that normally charged.
It is important to remember that the consumer of the medical services remains financially liable for the payment of all charges under a discount plan arrangement, and that no risk is borne by the plan. It is also important to confirm periodically that the provider whom the consumer wishes to use remains a participant in the discount plan and that he/she/it in fact offers the discount that is represented by the plan.
Finally, many states have begun to regulate discount plans, so it is important to deal with one that is lawfully licensed with the state regulator. The state's department of insurance is often in charge of regulation, although these plans are not insurance per se.
What else can I help you with?
Why would a person need to get private health insurance?
If a person does not have a job, or if their job does not provide health insurance, then the person might choose to buy private health insurance. It is usually less expensive to purchase health insurance through ones employer, but part time, contingent or contract personnel might not qualify for insurance through their employer. It is a good idea to have medical insurance at all times because illness or injury can strike any time and can rapidly become very expensive.
What is the difference between health insurance policy and Critical illness policy?
A Health Insurance policy is a reimbursement of the medical expenses. Well Critical illness insurance is a benefit policy. Under a benefit policy upon the occurrence of an event, the insurance company pays the policyholder a lump sum amount. Under a Critical Illness policy, if the insured is diagnosed with any critical illness as specified in the policy.
What type of health insurance would be recommended to visitors of the United States?
Visitors to the United States would need to get fully comprehensive health insurance. They would need to be covered for any kind of illness or accident as there is no free healthcare.
What are the advantages and disadvantages to having no health insurance?
The disadvantages to having no health insurance is that in the event of being ill one will not have access to the treatments they need and any treatment they do get could involve long waiting lists. It is debatable if there are any advantages to having no health insurance other than saving a lot of money but it comes at a big risk should illness strike.
What are health insurance rates right now?
Health insurance quotes vary from person to person, company to company. Each insurance company will take into account any pre-existing medical conditions as well as any unforeseen medical conditions based on your family's past medical history.
What is the best health insurance located at?
Determining the best health insurance for any individual is a balancing act of services needed and the costs you can afford. An elderly person is likely to need a more comprehensive policy then a college student since illness can occur more frequently in the elderly. A good website to help Michigan residents find health care options is http://www.healthinsurance.org/Michigan.
You are a permanent resident sponsored by son and have no health insurance how can you have a insurance coverage?
You can apply for individual health insurance just like any other person. You can shop online or go to a local insurance agency. Agent http://www.anyhealthinsurance.com
Could a person with no health insurance go tojail for not having any?
No but if they ran someone over they would.
What companies provide critical illness insurance?
Many companies provide critical illness insurance, but I personally would reccommend contacting a company such as Aflac, or any company that offers insurance.
Is it cost effective for husband and wife to have double health insurance?
Quick answer NO. Longer answer, it may be wise to to purchase a Critical Illness and Accident Plan. These types of plans would pay you an amount of money in case you had a critical illness or accident. This is money you can use for any reason including paying your deductible and out of pact from your health insurance.Also, they are generally much less expensive then a second health insurance plan.Bryanbkowalczyk@afacompanyresident agent health and life insurance in ILnon resident license VA,TN, LA
Why does a medical insurance need to learn about electronic health records?
It is through electronic health record that an medical insurance specialist can get an idea about the illness/disease the policy holder has contracted for which he/she requires medical treatment, any past records of disease/illness etc. on line.The medical insurance specialist can advise the insured about availability of bed in hospital/nursing home, status of claims already submitted etc instantly, which manual health records can never provide.
What does ''Catastrophic limit per person'' mean on an insurance plan?
On a health plan that is the limit the insurance company will pay over any period of time.
