Advice for Those Seeking Health Insurance with a Pre-existing Condition

It seems a catch-22 that those who need health insurance the most are in fact the least likely to receive coverage, but getting insured as someone with a pre-existing condition is just that. Fortunately, with the right knowledge and know-how headed into the process, it can actually be done. Just don’t lose heart and keep on trying. Considering the fact that Cobra rates are high to maintain, making this need even more important.

Anything can trigger the need for insurance coverage for a pre-existing condition. You might get laid off and have a health issue that is not resolved. You could have coverage that is lacking some aspect that is not included in your current policy. Whatever the condition, gaps can happen.

Federal laws state that something called “takeover coverage” will cover these gaps. This is only applicable to those people that are in states that require high-risk enrollment available.

What is Takeover Coverage?
Takeover Coverage is a policy that specifically covers pre-existing conditions. It is added to the policy when the insurance company will not cover anything that is labeled a “pre-existing condition.” It is perfect for two reasons. First, it allows any person to get the coverage that they need. It also saves money because it only requires the cost that specifically covers the gap in your coverage.

What is a “Pre-Existing Condition?”
Any pre-existing condition is one that was known prior to the time of coverage. These diseases are specific to each state. The best way to see which diseases are covered is to check the government site [pcip.gov/StatePlans.html]. This is updated according to the laws as they change each term. Some states are governed by the state rather than the U.S. Department of Health and Human Services.

Eligibility for Coverage
There are variables that must be met in order to gain this coverage beyond state coverage. Once the person has checked their local state, they must also meet these six points.

1. The person must not be eligible for employer sponsored health coverage.
2. The person must not be eligible for Cobra coverage.
3. The person must have a referral from a doctor that the condition exists.
4. The person must not be eligible for welfare benefits.
5. The person must be a US citizen.
6. The person must have six months in the state in which they apply for the coverage.

If the person applies with the above variables met, they can apply and be covered to receive the Take Over Coverage. It allows those that need extra coverage for those health issues that are pre-existing conditions. It is also a wise idea to work with a professional in order to get the best terms for your coverage.

Olivia Jones is a blogger and contributing writer for www.policyexpert.co.uk/.