When Tucson, AZ clients seek health insurance policies, there is no shortage of questions that have to be answered. Castillo & Associates Insurance is here to help. Preexisting conditions are one of the primary areas of discussion in these instances. So what does the applicant need to know before meeting with an insurance provider in Tucson, AZ?
What Counts as a Preexisting Condition?
Any health problem that the applicant was aware of before filing an application for a new policy counts as a preexisting condition. Cancer, diabetes, sleep apnea, epilepsy and lupus are typically included in these instances. Be sure to ask about any specific preexisting conditions that have not been listed during the consultation meeting.
Will I Be Denied If One Of These Conditions Exists?
By law, no health insurance provider is able to deny an applicant who is looking to receive coverage. There are also no limits that can be placed on the health insurance plan. If the client is experiencing these sorts of difficulties when it comes time to meet with a health insurance provider in the state of Arizona, this is a sure sign that the applicant should be focusing their attentions elsewhere.
What About Pregnancies?
If an applicant is pregnant before they apply for these policies, they cannot be denied on that basis. The insurer is also not allowed to charge the applicant extra because they are pregnant. This is a practice that is forbidden by law. Once the applicant has enrolled in the policy, they receive the necessary coverage and so does their child. As soon as the plan starts, the parent and their baby receive complete coverage.
Be sure to visit the Castillo & Associates Insurance website to find out more about preexisting conditions and how they affect a potential policy. Pick up the phone and give us a call if you have any further questions.