Here’s what you need to know about pre-existing conditions and health insurance.
Disney star Cameron Boyce’s death, after fatal epileptic seizures, focusses attention, once again, on pre-existing conditions and health insurance. Epilepsy, for instance, affects over 3 million Americans. Deaths caused by epileptic seizures are very rare. Although there is no recognized cure, the condition can normally be controlled by medication when identified in its early stages.
What does health insurance cover?
Each health insurance plan offers various coverage options. You can refer to our article on health insurance metal tiers to learn more about choosing a plan that suits your needs.
But the most important fact you must know is that you cannot be denied coverage due to a pre-existing condition. Thanks to the ACA (Affordable Care Act), more Americans now have access to healthcare.
What is a ‘pre-existing condition’?
A pre-existing condition is a health problem which you or one of your dependents had before your new insurance starts even if you are not aware of it at the time.
If you are aware of a pre-existing condition you must declare it. BUT under current law health insurance companies may not refuse coverage or charge you more or refuse to pay for essential health benefits for any condition you had before your coverage started. Other pre-existing conditions include cancer, diabetes, lupus, sleep apnea.
Most of these conditions are long term and the cost of controlling or alleviating them can be enormous. The affordable care act ensures that your health insurance cannot set annual or lifetime limits on your coverage.
The rising cost of healthcare
Research is progressively finding more effective, less intrusive medication for many of these medical conditions. Costs, however, continue to rise. Without coverage for pre-existing conditions,
millions cannot even imagine having access to healthcare.
A common treatment for controlling epileptic seizures (Aptiom)for example can cost as much as $800 a month.
Critics of the affordable care act claim that it is too expensive. But, for conditions such as these, it is the only way to make identification and treatment available to much of the US population.
Make sure that you and your dependents have the assurance of ACA Marketplace plans.