Self Health Care

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Common Pre-existing Conditions: You can still obtain Health Insurance

Everybody needs health insurance. This holds true for healthy people, as well as those who have some medical conditions. If you have a major pre-existing condition, it does not mean that you have to live without health insurance. But it does mean that you may have to search harder to find a policy.

What are some of the most common pre-existing conditions? They include cancer, stroke, diabetes, and AIDS among others. While these may sound serious to you, thousands of people have to deal with this problem each and every year. And if dealing with a serious illness is not hard enough, trying to find a health insurance policy can be just as difficult and stressful.

If you have a pre-existing condition, you should still be able to obtain health insurance. The main change that you will see is in the price that you will have to pay. Instead of being charged a standard rate, the health insurance company will adjust your premium to match your personal health situation. If you have been clear of your condition for several years, your health insurance company may cut you a break. But if you are currently undergoing treatment, it may be more difficult to find an affordable policy. Remember, the health insurance company needs to charge more so that they can cover all of the medical bills that you are going to incur now and in the future.

Do not be discouraged from buying health insurance if you have a pre-existing condition. Instead, hang in there and search around for the appropriate policy. It may take some time and money to get a policy that you are comfortable with, but everybody needs health insurance. It does not matter how sick you have been in the past. With health insurance you will be able to keep your portion of the bills to a minimum.


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