| Individuals with pre existing conditions like diabetes, | | | | your spouse's employer. The employee will |
| cancer, heart disease, heart attack, stroke, kidney | | | | typically have little, if any, choice concerning the |
| disease, liver disease, AIDS, depression and a long | | | | features of the coverage. The main advantage of |
| list of other health conditions, have found it almost | | | | group insurance: new employees will usually get |
| impossible to find affordable healthcare. These | | | | coverage without any medical questions or |
| health issues are causing thousands of individuals | | | | concern for a pre existing condition. One |
| to be declined for health insurance. If you are | | | | disadvantage: coverage usually ends when the |
| looking for uninsurable health insurance or pre | | | | employee's job ends. |
| existing condition health insurance, you know how | | | | Professional Organizations: Most don't know about |
| hard a task that can be. | | | | this option. A number of professional organizations |
| Sometimes preexisting conditions allow an | | | | offer their members a health insurance program |
| insurance company to deny your health insurance | | | | as a fringe benefit. This health insurance coverage |
| request. However, there are ways you can be | | | | could be a great way to stay insured if you are |
| provided with affordable healthcare coverage. If | | | | uninsurable or have a preexisting condition. This is |
| you can combine creative insurance planning with | | | | really like a group health insurance policy. See if |
| the knowledge and understanding of what is | | | | you can get access to a membership organization |
| available, you'll greatly reduce the chance of | | | | which offers health insurance for preexisting |
| potential financial strain on you and your family. | | | | conditions or health insurance for the uninsurable. |
| Should you find an insurance company that will | | | | A valid certification or career experience may be |
| provide health insurance; you'll quickly discover | | | | required to join. Other associations might accept |
| that this coverage is not cheap. And… the | | | | your membership without these prerequisites. |
| coverage will probably be limited in scope when | | | | Look for local and national associations. Even with |
| compared to the coverage for someone with no | | | | a yearly membership fee, it still might be worth |
| known health problems. The bottom line is this, | | | | the money. |
| whatever coverage you can get, it's probably | | | | Private Individual Health Insurance: If you are |
| best to take it until something better comes | | | | without group healthcare coverage from an |
| along. | | | | employer or professional organization health plan, |
| You can find affordable health care. I have listed 6 | | | | yet you have pre existing conditions that have |
| choices below. | | | | caused you to be uninsurable, obtaining individual |
| Group Health Insurance: The best choice for those | | | | health insurance is probably going be a little tough. |
| with a chronic conditions, pre existing conditions or | | | | If you do find coverage, the premiums will often |
| even uninsurable. It's really a guaranteed issue | | | | times be unaffordable. However, this still might be |
| health insurance plan. With group health insurance, | | | | your best choice for now. You can always go |
| coverage is usually provided by your employer or | | | | with a better plan in the future. |