Insurance Companies and Pre-Existing Medical Conditions

Throughout your life, you will find that having good health is one of the most important things. This is because when you are healthy, you will be able to do everything that you want to do. Whenever you are sick, you just want to feel better as soon as possible. This is difficult if you do not have insurance. Those who get sick and then try to get insurance might worry that they will never be able to get the protection that they need. This is because every insurance company will ask about pre-existing medical conditions. This will not bar you from being able to get the health insurance you need to get the bet health care. It is done to protect the interests of the insurance provider.

Why They Want to Know

The reason why the health insurance provider will ask about any conditions you might currently be suffering from is because they need to assess how they will move forward. The decision to provide you with insurance is dependent upon whether they will be able to still make money based on your future needs. They will be able to determine if it is profitable for them to sign you as a client or not. You can expect that you will pay more than those who normally get a policy from them. You can also expect that they will ask you to sign a contract which will obligate you to remain with the insurance company past the time that you needed to get free form your current medical condition.

What You Should Tell Them

It is highly important that whenever you are signing up to get the health insurance that you are looking for that you will make sure that you are telling the truth. Lying to your insurance company to get a policy can cause you to lose your policy once your condition is discovered. It can also cause you to be in legal trouble because of the fact that you are in violation of your policy and are legally bound to pay for everything which has been paid out from the policy thus far. This is not something that you should risk so that you will be able to get the health care you need to live a long and healthy life.