Affordable Health Insurance

Affordable Pre-Existing Health Insurance

By definition, pre-existing conditions are those health conditions (enumerated as AIDS, diabetes, heart disease, asthma, high-blood pressure, and women) that you were treated for in the past or are currently receiving treatment for. Not all health insurance providers are created alike, and there are companies that completely cover pre-existing coverage after a waiting period and there are some companies that do NOT cover it at all.

In other words, having a pre-existing condition puts you more at risk of being uninsurable, although being relatively healthy does not guarantee you'll be accepted at any time in an affordable health insurance plan.

Under the Health Insurance Portability and Accountability Act of 1996 (HIPAA), an insurance company may or not cover pre-existing conditions. The HIPAA defines a pre-existing condition as a medically diagnosed mental or physical condition that you were treated for six months prior to your enrollment.

2007, 2008 Year-End (HSA) Health Savings Account Strategies

Maximizing Your HSA, Health Savings Account Contribution Can Reduce Your Taxes By $1800

If you own an HSA-qualified health insurance plan that has an effective date no later than December 31, 2007, you qualify to make a tax deductible contribution to your Health Savings Account. This will immediately reduce your tax bill for April 15 Deadline.

What you need to know before buying a Health Insurance policy

Insurance plans vary, so before you choose a plan, decide which benefits are most important to you and your family. To compare health plans, make sure to ask for and examine a benefits summary or outline of coverage for each plan you're considering.

Think about your personal situation. For instance, if you're no longer planning to have children, you won't mind that certain pregnancy-related services aren't covered. But you might be concerned if there's no mental health benefit to help pay for your therapy sessions.

Are you concerned with preventive care and checkups? Would you be comfortable in a managed care setting that might restrict your choice somewhat but give you broad coverage and convenience? These are questions that only you can answer.