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Health insurance with emphysema
originally posted: 11/22/2006
reposted: 2/18/2011 This post has not
been recently reviewed or revised by the author and may be out of date.
If you notice an error or are in doubt, please send a new question by
email or ask for an update. Email asktony@tonynovak.com.
Q: I have been using inhalers for
emphysema for five years. Would I be eligible for short term insurance
with American Health Shield?
A: Yes, you would be eligible for
coverage. The application at www.FreedomBenefits.net is not screened
for this medical condition. Remember that these policies do not cover
the cost of pre-existing medical conditions so in your case this means
that the cost of treating emphysema is not a covered expense. This is a
good example of a situation where it makes financial sense to choose an
insurance policy that does not pay the cost of your pre-existing
medical problem because the savings on insurance premium exceeds the
cost of the out-of-pocket prescription medication.
Summary
More resources:
FreedomBenefits.net
