How Will Preexisting Conditions Affect Your Health Insurance Coverage?

If you have preexisting conditions when you are looking for NC health insurance, one of three outcomes are likely to happen. You will either (1) be declined for coverage, (2) have your condition ridered, or (3) your premium will be increased. In this article we will look at how most carriers will handle common preexisting conditions.

When people talk about NC health insurance and preexisting conditions, what they are talking about is getting coverage for conditions that you may have prior to getting the coverage. This could include chronic illness, mental illness, or hereditary illness. Each carrier will handle conditions differently and it really depends on what the condition is. For example, if you have had a heart attack, cancer, stroke or diabetes you likely will likely be declined coverage by all carriers of individual plans. Other common conditions that will lead to a decline are rhemoatoid arthritis, heart disorders, fibromyalgia, severe mental disorders, COPD, and cystic fibrosis. This is just a small sample of common but typically expensive conditions that will make you ineligible for individual coverage.

Another measure carriers do to control costs is by ridering (or excluding) the medical condition all together. When this occurs they will not cover any treatment, including prescription drugs, for the amount of time the condition is ridered. This is commonly done for conditions when treated with medication like asthma, gout, depression/anxiety and osteoperosis.

Some carriers may just increase your premium to cover the increased risk or costs that are associated with your condition. Common conditions for this are high blood pressure or high cholesterol. These types of conditions can still lead to a rejection by the carrier (depending on other risk cbd freak co uk) but likely you will see an increased premium level. The reason carriers do this is because they are taking increased risks that these conditions may lead into serious and expensive health conditions like a heart attack or stroke.