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Individual Health and Life Insurance becoming much more affordable!
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Research has showed that during a down market people have become more concerned with protecting their assets. Two of the most important are their health and their life. Interestingly, while most products and services are seeing huge increases; both individual health and life insurance plans have become much more affordable. Health Care Reform and Pre-Existing Conditions
The Pre-Existing Condition Insurance Plan makes health insurance available to people who have had a problem getting insurance due to a pre-existing condition.
The Pre-Existing Condition Insurance Plan:
- Covers a broad range of health benefits, including primary and specialty care, hospital care, and prescription drugs.
- Does not charge you a higher premium just because of your medical condition.
- Does not base eligibility on income
Question: Who is eligible for Pre-Existing Condition Insurance Plan?
Answer: To be eligible for the Pre-Existing Condition Insurance Plan,
- You must be a citizen or national of the United States or reside in the U.S. legally.
- You must have been without health coverage for at least the last six months. Please note that if you currently have insurance coverage that doesn’t cover your medical condition or are enrolled in a state high risk pool, you are not eligible for the Pre-Existing Condition Insurance Plan.
- You must have a pre-existing condition or have been denied coverage because of your health condition.