Health insurance coverage for pre-existing conditions is part of the national health care reform debate. A pre-existing condition is any disease or illness which is diagnosed prior to enrollment in a health insurance plan. Many plans have specific rules regarding coverage for previously diagnosed conditions for new insureds. Typically, the plan will not provide benefits for the pre-existing condition for a set period of time. The exclusion period may be anywhere from 12-18 months.

Read the full post on Pre-existing Conditions.

In this video we take a look at the benefits of private health care systems. By employing the right service we are able to find the best medical care at the best price. By allowing for a competitive health care system people have choices on what medical procedures they want done and when they want them done. What happens when the government decided to intervene and you don’t have the choices anymore?

This video explains a common occurrence with people who are in between jobs and planning on getting health insurance when they get the actual job. Doing this could be setting up those people for a disaster.

The video explains what type of health insurance should be bought in between jobs, even when a person knows they will have health insurance through an employer in 30 days. It also looks at why health insurance is so important to have at all times, even when you are planning on getting insurance in a couple weeks. Do you really know what will happen in those few weeks without health insurance?

In the current health care discussions, the term “underinsured” has been often used. As the economy began its decline in the last few years, many employers, especially small businesses, were forced to find ways to cut costs in order to stay afloat. One area that was hit was the provision of benefits. Companies opted for less expensive health insurance coverage or reduced the employer contribution. As a result, millions of working Americans were insured, but had additional related costs.

Read the full post on The Underinsured.

Just the other day MyInsuranceExpert had a client calling in for health insurance as he sat in the emergency room.  He had broken his hand, and was looking for medical insurance to help offset his inevitable bills.  The bottom-line is the fact that this individual waited until it was too late to get health insurance.  To begin, the enrollment process can take anywhere from 2-3 weeks, and pending surgeries can either be excluded from coverage or considered an auto-decline.  Unfortunately, our Advisor was unable to help him with his insurance needs.  Do not wait until you’re sitting in the ER to get your insurance.

Read the full post on Buy Health Insurance Before You Need It.