Affordable Health Insurance Fort Stewart, GA

Affordable health insurance Fort Stewart, GA

Healthcare Reform One of the biggest changes to affordable health insurance in Fort Stewart, GA is concerning pre existing conditions. Currently, pre existing conditions stand in the way of thousands of Americans and proper health insurance. When you apply for affordable health insurance in Fort Stewart, GA, you may find that you have to go through a waiting period before a pre existing condition is covered. Coventry One is dedicated to helping you get health insurance regardless of pre existing conditions.

Fort Stewart Georgia health insurance

In 2014, the laws governing preexisting conditions will change, making it illegal for insurance companies to exclude pre existing conditions from coverage. This means that your affordable health insurance in Fort Stewart, GA will be required to cover any health problems. Pre existing conditions such as high blood pressure, diabetes, cancer, and asthma have excluded patients for decades. At this time, Coventry One does its best to provide affordable health insurance in Fort Stewart, GA through riders and an insurance pool.

HIPAA and Pre-existing Conditions In 1997, the Congress passed the Health Insurance Portability and Accountability Act, or HIPAA. Part of HIPAA affected people with pre-existing conditions. The law is, since 1997, that if you have health insurance and develop a medical condition, you cannot be dropped or overcharged for your health insurance.

Another part of HIPAA establishes “creditable coverage”. With creditable coverage, if you have been insured for a medical condition for at least a year and lose your insurance, you can still get insurance within 63 days. Your new insurance will cover your pre existing conditions, if you get the policy within 63 days. However, you may have to pay more for it.

Insurance and Pre-existing Conditions Your affordable health insurance in Fort Stewart, GA will not exclude pre existing conditions at this time, unless you have been without any insurance for over 63 days. That’s why it’s important to get short term insurance if you lose your job. It will maintain your creditable coverage. Coventry One can provide you with short term insurance. If you have lost your creditable coverage, your health insurance company may do one of 3 things:

Exclusion your affordable health insurance in Fort Stewart, GA may, unfortunately, exclude treatments and medicines deemed as part of a pre existing condition. This means you’ll be responsible for all of the medical costs concerning this medical problem.

Exclusionary Period You may have to go through a period of time of 6 to 12 months before the insurance company will begin paying on your pre existing condition.

Higher Premiums The insurance company may choose to cover the condition, but will charge you higher premiums or out of pocket costs.

Fort Stewart Georgia health insurance does its best to provide affordable health insurance in Fort Stewart, GA. Give us a call today for your free quote.