The most serious possibility is an insurance company will deny you outright. In the same way likely is the chance you will be accepted but must wait through a pre-existing medical conditions exclusion period. Which means that during the first six to eighteen months of coverage, you must pay premiums but will not be covered for any treatment regarding your condition. Plans given by your employer cannot exclude you for more than twelve months, however. Starting in September of 2010, however, children (defined as anyone under age 19), can not be denied coverage or excluded from treatments.
There are techniques for getting around the present problems you might face if you should be one of those who’ve pre-existing medical conditions promethazine codeine syrup for sale. The Health Insurance Portability and Accountability Act (HIPAA) protects your coverage whenever you buy, change, or renew health insurance. While its provisions against discrimination and inclusion are not comprehensive, in addition, it enables you to make the most of creditable coverage. In reality, the creditable coverage portion of HIPAA could be the most highly relevant to you. It states that when you have coverage before enrolling in a new health plan, without a break in excess of 63 days, you will not be susceptible to an exclusion period. So, for example, if you had been covered under your employer’s health policy for a year and then switched to private insurance right away, you would be completely covered.
Fortunately, people with pre-existing medical conditions will not have to tolerate the present situation for much longer. The Patient Protection and Affordable Care Act that has been signed in March 2010 promises to drastically change the way insurance companies operate. It eliminates pre-existing condition requirements and prevents both adults and children from denial of coverage based on existing conditions. The act will cover children starting in September, 2010, and will extend to adults in 2014. If you are currently working with insurance companies who refuse coverage, take heart and don’t give up.