I have RA. I need health insurance. Can you find health insurance with a pre- existing condition?
Answer: Unfortunately, RA is a decline with most companies. There are a few that may accept you if it's mild but they will rider the RA. A rider means they won't cover the RA or anything related to the RA.
Visit a local agent that works with all the major companies in your area. The agent can determine which companies may accept you. There is no extra charge using an agent..
There's no reason why you cannot find health insurance with a pre-existing condition. However, since you're already diagnosed with a condition, the insurance company anticipates that there will be medical expenses to cover your treatment. Therefore, the premium they charge you will be higher than what they would charge someone with no pre-existing condition. How high this premium goes will depend on the duration of your condition, its severity, and the assessment by their medical staff, but for a chronic condition that may require treatment on a long-term basis, i feel it is probably best to pay a higher premium but to be insured, if affordability is not an issue.
Good luck!.
Depending on the severity of your condition, yes. With some insurance companies you will be automatically declined, so contact a local broker and ask for a pre-screen. This doesn't cost you anything, and will save you time.
Don
http://mtnhealthinsurance.com