If you’re a Carlsbad, CA resident looking to purchase a private health insurance plan, you likely have many questions. Buying a health insurance plan can be pretty complicated if you’ve never purchased one before, but it doesn’t have to be. One aspect of buying private insurance that might have you confused is determining whether you can purchase a plan if you have a pre-existing health issue.
Here is an overview:
The Affordable Care Act
Ever since the passing of the Affordable Care Act in 2010, it’s been illegal for insurance companies to charge higher insurance rates or deny anyone coverage because they have a medical condition that existed before applying for the insurance. Although you can still purchase health insurance with a pre-existing condition, you could still be denied life or disability insurance.
Grandfathered Plans
When buying private health insurance, most insurance agencies never deny anyone, but if the companies were grandfathered in prior to the Affordable Care Act, they’re not required to adhere to its strict guidelines. Therefore, you could be faced with waiting periods, denial of services, and more.
Call Today To Discuss Your Options
If you’re ready to start researching health insurance plans and you’re in the Carlsbad, CA area, we at Alta Vista Insurance Agency are available to provide you with high-quality coverage. Contact us at Alta Vista Insurance Agency today, and one of our licensed insurance agents will be happy to provide you with a quote as well as answer any questions that you may have. Having a pre-existing health condition doesn’t exclude you from being eligible to buy a health insurance plan, but depending on the plan, there could possibly be a waiting period to contend with. We will explain the specifics of the plan that you opt for.
