Many people with health problems are being excluded from most of the insurance companies.
These people are categorized with pre-existing conditions.
Pre-existing condition is a health problem that existed before a person applied for a health insurance.
Most of these health problems are severe diseases such as high blood pressure, cancer, diabetes, heart disease and other unceasing illness like asthma.
Most insurance companies leave out people with cases and conditions such as these.
They are very much concerned with the possible negative ends this condition might give the company.
Therefore, they base their decisions to whatever is best for the company and inevitably deny possible applicant for the insurance with pre-existing condition..
Pre-existing conditions health insurance is one of the issues in insurance policies.
This can actually affect the person's health insurance coverage.
Let us say, if one is applying for insurance, many insurance companies might accept the applicant but that doesn't mean he may have the full coverage he was applying to.
Some of the health insurance companies may give the applicant a pre-existing condition exclusion period.
This period may vary depending on the condition laid by the health insurance for pre-existing conditions.
It may sometimes take to half a year or even more than a year, that is, the person may not be able to get any services or care due to his pre-existing period exclusion.
There is no exception though the insurance company has accepted and allowed the person with pre-existing condition for insurance or even if that person is monthly paying his premiums.
Others with pre-existing condition but was given benefit through insurance by their current job may still be subjected to pre-existing condition exclusion period.
This exclusion is up to twelve months without any care and health services.
In the US, laws have been authorized to protect the member with the continuation or changes of the health insurance.
This law subjected the insurance companies to limit the use of pre-existing condition exclusions, to avoid discrimination to the members' family with health problems by rejecting the coverage or even giving bigger charges for the coverage.
This law also secures the member to renew his coverage in spite of any health problems in the family.
To some who applied for a new health plan but still in the same insurance company due to a change of job but continuously paid the insurance for a year, this condition is excluded from a pre-existing condition exclusion.
That is, the insurance member can have a full coverage of the insurance even though some members of his family have health problems.