In the past, pre-existing conditions could seriously complicate your health insurance coverage. These days, things have changed for the better. So if you live in Chandler, AZ and need help, let us at San Marcos Insurance Group show you the way.
Pre-Existing Conditions Shouldn’t Affect Your Policy
Under the ACA, pre-existing conditions cannot affect whether you are accepted or even influence your premiums. In fact, it is against the law for your provider to even attempt to do either of these things. In this way, more people can have health insurance and you can get your issues treated without suffering from excessively expensive policies.
When Your Policy Could Be Affected
There are a few instances in which a provider may deny you because of pre-existing conditions. These are generally very rare and only occur in situations that are obviously improper. For example, people who try to buy a short-term plan to save themselves money by covering a specific problem may be denied if they have pre-existing conditions. This idea was put in place to protect companies from fraud.
What if a Provider Does Increase Premiums or Deny Coverage?
If you somehow find an insurance provider that denies your coverage or increases your premiums because of pre-existing conditions, you have found a provider that is committing a crime. You need to report them to the proper authorities and find another insurance dealer who is going to have your back when it comes time to pay for your coverage.
Let Us Help You
So if you live in Chandler, AZ and have pre-existing conditions that you are worried will complicate your insurance, please don’t hesitate to contact us at San Marcos Insurance Group. Our specialists will take a look at your case and find a policy that is fair for you and which won’t cost you an arm and a leg to buy.