Bi-polar disorder

TA | May 11, 2009

Q: I have a pre-existing condition of bi-polar disorder with a hospitalization and 3 ER stays late last year. Am I disqualified from receiving affordable coverage at all?

A: Perhaps the main issue is not whether you will qualify for lower cost health insurance coverage but rather whether the insurance will cover the risk of further complications of bi-polar disorder. Based on your recent experience, you know how expensive your medical treatment can be. Most individual insurance plans exclude or limit coverage for pre-existing medical conditions.

MedSave.com includes a number of guaranteed issue universal insurance plans that are available to everyone regardless of medical history. Limited benefit insurance plans typically have a waiting period for pre-existing condition coverage of 6 to 12 months.

We suggest that your primary concern should be addressing the risk of catastrophic claims stemming from your condition. Please see the article "Finding health insurance to cover pre-existing medical conditions" for more ideas on this topic.


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