There is a common misconception that people who have preexisting health problems may not be able to get insurance coverage for serious conditions such as cancer or heart disease. A preexisting condition is a type of condition that relates to a medical issue that was present before obtaining their current health insurance policy. In other words it is a condition that may be stopping a person from receiving full medical coverage from their current provider because the condition was preexisting meaning it didn’t happen under your current insurance. For people who want to purchase health insurance who have preexisting health conditions there is a way to get it, in 1997 the Health Insurance Portability and Accountability Act, also called the HIPPA was passed, which gives employees and their families coverage even if you have a preexisting condition. Through companies like United Healthcare, health insurance can be provided up to 12 months after coverage, or if you are HIPAA qualified you may be able eligible to be covered immediately. For people who have had coverage in the past few months that insurance company will be in charge of insuring you. This is great for many people who are suffering from serious conditions who may be restrained from purchasing a serious medical health insurance plan because of preexisting conditions. For people who are looking to purchase health insurance before being provided it you have to go through a medical exam and fill out a questioner. For someone who is sick already it is almost impossible for the person applying for insurance to receive coverage if they show serious illness or a preexisting condition during this step.
United Healthcare health insurance is a company that prides itself on its ability to help its customers and wants to do anything in its power to do whatever it can to make it easiest for them. For people who are already suffering from a medical condition the road is already hard enough, they not only have to deal with the daily illnesses and stress of being seriously ill, but they also have to deal with the emotional ups and down of being sick, not even to mention having to deal with the repercussions of their illness with their job and family. For many people having such a serious conditions such as cancer it can be very devastating, for providers like United Healthcare health insurance their main goal is to insure you and your family in the best and most cost effective way that they can. This not only applies to the person’s whose name is on the insurance policy but this also applies to any dependents you may have such as your children or your spouse. This can be very helpful if your spouse is currently unemployed and gets injured or sick.