Pre-existing medical health disorders and genetic medical conditions have been a major issue with the health insurance community for a long time. In the beginning there was a very clear and distinct short list of long-term medical maladies that required a specific waiting period before health insurance coverage would be permitted. Now, this does not mean that if you are diagnosed with a pre-existing medical condition you must wait up to eighteen months before your new Empire Blue Cross healthy NY health insurance policy would be there to assist you. In the event of an illness, accident, surgery, or something unforeseen, you will have the opportunity to receive the necessary medical assistance required.
What this does mean is that your health insurance provider will not be obligated to remit a portion of the medical payment in your behalf if the medical assistance is related to the listed pre-existing medical condition. The majority of the health insurance NY providers do try to work out a reasonable health insurance plan with prospective subscribers. However, the subscribers must also understand that there are valid reasons why you must wait out the time before the health insurance provider will step up to the plate in your behalf. In the meantime, you will need to accept full responsibility for all and any medical bills that you acquire regarding your pre-existing medical condition.
Yes, it is true that many individuals who are requiring medical assistance through their health insurance provider receive a letter of denial. What you need to understand and focus in on are the medical procedures that you are eligible for immediately. This does not help much when your pre-existing medical condition can be a life-threatening event. When you have the time to continue researching for a better interim health insurance policy you might want to consider healthy NY insurance as a viable option to the traditional health insurance providers.
On a lighter note, The Patient Protection and Affordable Care Act was signed into law in March 2010 with the assumption that the health insurance structure and the medical community structure will evolve into an accepting entity for all the people. Two of the most pronounced changes to the healthy NY program consists of leaving children on the family health insurance policy until they reach the age of twenty-six. The other major adjustment to the medical community and the health insurance industry is for all children to be accepted regardless of any pre-existing medical conditions that may be present.
Smaller, mundane issues that have recently been changed are the annual physicals and a few adjustments to the wellness medical physician office visits that are now to be absorbed by the health insurance providers. Atlantis healthy NY is only one of many that are attempting to adjust their records to absorb the new costs. Eventually though, every new health insurance policy and renewal health insurance policy will subsequently increase for the absorption of the additions by increasing the cost of the next health insurance policy by another ten, fifteen, or twenty percent.