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Any persistent or chronic health issue can be classified as a preexisting condition, whether it is arthritis or cancer. If you are in fear that your preexisting condition will inhibit your ability to acquire effective health insurance, you are partially right. Until 2014, when the Patient Protection and Affordable Health Care Act goes into effect, people with preexisting conditions have limited options with regard to health insurance providers. Fortunately, you are still able to get coverage from certain health insurance providers with the help of the following tips:

Spring into action

If you have recently (within the past month) lost your group coverage through your employer, you can still qualify for coverage of your preexisting condition through your new employer’s insurance thanks to HIPAA (Health Insurance Portability and Accountability Act) regulations. This means that you cannot be denied coverage by your new employer’s group plan for your preexisting condition unless you have received treatment or a recommendation for your condition within the past six months.

You also have the option of extending your coverage through COBRA (Consolidated Omnibus Budget Reconciliation Act) for an additional 18 months if you’ve been laid off or experienced another qualifying event. Unfortunately, the payments will be much higher than they were when you were a part of your employer’s group plan, and it is not something that springs into action automatically after you lose your group insurance; you must apply yourself.

Ask for assistance

If you find yourself suddenly without health insurance, consult a professional to find out your options. Social workers, financial planners and hospital case managers can offer you assistance. You don’t want to try to handle all of the rather complex federal and state insurance laws and provisions by yourself.

The state you live in also makes a difference. Certain states prohibit the practice of Underwriting. Underwriting is when insurers research your entire medical history in order to uncover the conditions for which you have been treated, and then deny you coverage for those same conditions. Also, 35 states have what are called “high risk pools,” which guarantee enrollment regardless of medical status. The premiums for these programs can be quite high, however.

Investigate association coverage

Certain business associations offer their members medical coverage. If you are able to become a member of a union or a trade organization that offers medical insurance, you should give it a try. It is often considerably cheaper than what you would find as an individual.

Research government options

Many people who actually qualify for Medicaid and State Children’s Health Insurance Program (SCHIP) never even apply. This is a good option for families with low income.

The most important thing to remember when you are looking for insurance coverage for your preexisting condition is to be diligent. There are many avenues for people regardless of their medical history, you just have to investigate thoroughly and ask for help if you need it.

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