| Currently thousands of uninsured, underinsured | | | | coverage is typically available to newly hired |
| and uninsurable individuals, just like you, are facing | | | | employees without any medical questions or |
| serious health issues. Cancer, stroke, heart | | | | concern for a pre existing condition. However, |
| disease, heart attack, diabetes, liver disease, | | | | coverage typically ends when the employee's job |
| AIDS, pregnancy, depression, kidney disease and | | | | ends. Basically this is a guaranteed issue health |
| a host of other health conditions can cause | | | | insurance program. Group coverage can |
| individuals to be declined for health insurance. | | | | sometimes be available, even for the |
| Looking for uninsurable or pre existing condition | | | | self-employed, if coverage can be obtained |
| healthcare coverage can be a challenge. These | | | | through a spouse's employer. |
| individuals have found it almost impossible to find | | | | Professional OrganizationsThis option is mostly |
| any type of healthcare coverage. Today, even | | | | overlooked. Some professional organizations offer |
| being over-weight is enough reason for some | | | | to their membership, a group insurance program |
| insurance companies to decline your application for | | | | as a fringe benefit. This type of healthcare |
| healthcare coverage. | | | | coverage could be an important way to stay |
| Preexisting conditions can sometimes make you | | | | insured. If you have been deemed high risk, |
| uninsurable and will limit your health care choices. | | | | uninsurable or have a pre existing condition, check |
| However, there are ways to provide you with | | | | to see if you have access to a membership |
| some type of coverage. By using creative | | | | organization that might offer health insurance for |
| insurance planning, combined with the knowing and | | | | preexisting conditions or for the uninsurable. You |
| understanding of what is available, you can greatly | | | | may be required to have a certification or a |
| reduce the potential financial strain on you and | | | | certain career experience to join. However, other |
| your family. | | | | professional associations might accept |
| Should you find an insurance company that will | | | | membership from anyone who is interested in |
| provide health coverage; you'll quickly discover | | | | joining. Even if the membership fee is a couple |
| that this coverage is not cheap. And... the | | | | hundred dollars a year, it still might be money well |
| coverage will probably be limited in scope when | | | | spent. |
| compared to the coverage for someone with no | | | | Private Individual Health InsuranceIndividuals who |
| known health problems. The bottom line is this, | | | | have no employer sponsored or professional |
| whatever coverage you can get, it's probably | | | | organization health options, yet they have |
| best to take it until something better comes | | | | extensive health care needs and medical |
| along. | | | | expenses, will find that obtaining coverage from |
| So... what are my options now that I am | | | | the private market may not be a viable option. If |
| uninsurable? Here are a few. Which option you | | | | coverage is found, premiums charged are often |
| choose to explore is dependent upon your | | | | unaffordable. Moreover, insurers can turn down |
| individual situation. | | | | "high risks" individuals for coverage because of an |
| Group Health Insurance | | | | existing or previous illness. As we stated earlier, if |
| If available, this is by far the best choice for | | | | you do find an insurance company that will |
| those with chronic health concerns or pre existing | | | | provide you with health coverage, even if it's |
| conditions. Group health coverage is generally | | | | somewhat limited, it would still be best to take |
| provided by an employer, so usually the employee | | | | that coverage until a better alternative becomes |
| has little or no choice concerning the features. The | | | | available. |
| principal advantage of group insurance is that | | | | |