In the event of a severe illness or injury, recovery often requires care, surgery, or diagnostic testing that can be extremely expensive. As a result, individuals purchase health insurance policies which protect them financially in the event of an unforeseen accident. While many company sponsored plans are entirely legitimate, people forced to purchase individual health insurance can on occasion find themselves dealing with a disreputable company. Most of these insurance companies take advantage of the myriad of complexities involved in the practice of medicine, and finding a truly comprehensive and fair coverage requires a certain level of diligence and common sense.
Denial for Pre-Existing Conditions
Many insurance companies will promise coverage of a wide umbrella of ailments, only to deny your claim based on the fact that it was a pre-existing condition. As the time frame of when you contracted a disease and when you developed symptoms can be sketchy, insurance companies can use these ambiguity to deny you benefits. When searching for cheap health insurance quotes online, be sure the policy covers pre-existing conditions.
Some policies promise comprehensive coverage, yet do not cover specialists, separate diseases caused by the original illness, and more expensive diagnostic tests. Many individuals who are healthy and shopping for individual health insurance don’t anticipate the wide variety of costs associated with a serious malady. Be meticulous in researching what areas are not covered by a policy, and determine in advance if you are comfortable with such limitations.
Fake Government Health Care
As many are still unaware as to how the new health care legislation works, scam artists are using this ignorance to take advantage of everyday citizens. Scam artists set up phony associations in the name of government health care, either offering full health insurance plans or special discount cards on doctor visits. With rising health care costs often suffocating the average citizen, it provides the perfect environment to offer deals that are too good to be true. Individuals interested in government health care should contact the appropriate federal agency for more information, and never reply to direct solicitations.