Health Insurance – Preexisting Conditions

When you see advertisements for medical insurance, you may catch phrases like “if you qualify” or “for those who qualify.” What do these phrases mean? Simply put, medical insurance companies can set out stipulations for selling you medical insurance. The prices of your health insurance depend upon certain factors. While most states make it illegal for you to be denied health insurance under certain circumstances, some states allow health insurance companies to deny you based on “risk factors.”

Most of the time these risk factors are simply pre-existing medical conditions. Preexisting medical conditions are conditions that are defined as conditions you had before your insurance coverage starts. If medical insurance is being provided in a state where it is illegal to be denied, then you are going to go through a waiting period. The waiting period usually lasts for three months. During the waiting period, your insurance company will not pay for anything. This is to make sure that you do not have a preexisting condition that you may be hiding from them.

Why would insurance companies deny you based on preexisting conditions? Simply put, some conditions are very, very expensive to cover. One such condition is cancer. Some medications for cancer can cost into the thousands of dollars for a minimal amount of pills. It is almost impossible to pay for that out of pocket without the help of medical insurance. Some health insurance companies consider people with cancer to be “high risk,” meaning they will pay out a lot of money on certain diseases. In order to avoid that, they will simply deny those with preexisting conditions. Other preexisting conditions include arthritis, heart disease, or any medical condition you may have had before your current insurance company insures you.

Some insurance companies will accept patients with preexisting conditions, but will not pay for the conditions they have. They will only pay for conditions that develop after you are insured. You may be required to go through a physical. The results of the physical are turned in to the insurance company. The company can then find out if you have a preexisting condition, and decide on what kind of insurance to offer you from there. They can also deny you based on the results of the physical. However, some insurance companies are not like this. They will insure you even if you have a preexisting condition. Just be prepared to make some sacrifices, such as higher premiums, or a limited network of doctors to work with. If you need assistance in locating particular coverages at a pre-determined price, we can help save 50% on health insurance.

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Employee Health and Wellness Program

Companies want their workers to be aware of health care resources, but more importantly, to be able to effectively use them.

The poet, Virgil, once said, “the greatest wealth is health.” Although quality and coverage are ranked highly as health care goals, most Americans rate the U.S. system as unsatisfactory. Employers are interested in helping consumers be more conscious, thoughtful, and informed in making health choices.

The American Heart Association (AHA) promotes comprehensive programs that address the following:

  1. cardiovascular disease prevention;
  2. tobacco cessation and prevention;
  3. physical activity;
  4. nutrition education;
  5. stress management/reduction;
  6. weight management; and
  7. early detection/screening.

Other features may include direction regarding effective use of the health care system, back pain prevention/management, alcohol and substance abuse assessment, adult vaccination, and maternal and infant health education.

The Office of Minority Health (OMH) agrees that “cultural competency is one of the main ingredients in closing the disparities gap in health care.” When developing a health wellness program, language and culture influence:

  1. how health conditions and causes are perceived;
  2. workplace wellness belief systems;
  3. attitudes toward health care providers;
  4. behaviors of consumers; and
  5. delivery of health services.

According to an article in Family & Community Health, “culturally sensitive and appropriate programs must be developed to engage economically challenged minority and other underserved populations.”

Take a look at The Dow Chemical Company. Dow’s health and wellness programs in South Africa and Latin America have focused on reducing health risks and attending to long-term HIV/AIDS prevention. Significant increases in longevity and reduced rates of HIV highlight Dow’s success.

When businesses search for cost-effective ways to meet their employees’ health needs, they obtain a variety of health and wellness quotes. Workplace wellness programs vary, not only financially, but in how each addresses the health of employees.