Disease Health Insurance
Living with a disease can make it nearly impossible for you to find health insurance -whether you are always denied or given extremely high premium rates. Depending on your disease, you will likely need to visit the doctor often, buy lots of prescription drugs and undergo treatments and operations. Not many health insurance companies like the idea of such a high-risk patient because they know for sure that they will be paying lots of money each year.
Disease Health Insurance Options
There are some alternative options out there for you. You can be in complete control over your health care without having to worry about discrimination about your health conditions. With an HSA, Health Savings Account, you are given a tax-deferred savings account that will be used to withdraw and deposit money for medical expenses. If you have a good job and are good with saving money, this option may be a good idea for you. You can also use the HSA to pay for deductibles and co-payments for another health plan.
Fee-for-service health plans may also be an option to look into. It is a bit more costly, but you only have to make co-payments for medical expenses incurred. Some health insurance companies require you to pay an annual deductible and a percentage of each medical expense.
You should also consider applying for disability if your disease doesn't allow you to work. If this doesn't workout, you still have other options.
Health insurance discount cards allow you to receive cheaper expenses for prescriptions drugs and hospital costs. You just go to the medical facilities and pharmacies that accept your discount card -you can easily check with your discount card provider to find out who accepts it.