If you or a closed loved one has a pre-existing condition, you must have health insurance. However, when looking for health insurance, you have to find one that effectively meets your family’s specific health needs. Our agents at THINK Insurance & Financial Services serving the Pomona, CA area could work with you to find the best plan that could cover you and your family’s health conditions.
Find a Reasonable Plan
In California, there are various types of health insurance plans. There are HMOs, PPOs, and plans for people with low-incomes. However, if you have a pre-existing ailment, it’s important to find one that could cover your condition. In 2014, California law made it illegal for an individual health plan to deny coverage or charge high premiums because of a person’s condition. So the state created a marketplace called Covered California that helps you determine if you qualify for a program that meets your needs and finances.
Two Programs for People with Pre-Existing Conditions
When finding a health insurance plan that fits your health situation, you could also try looking at special programs. California has created a couple of programs for people with pre-existing conditions who can’t get a regular plan. One of those is known as the Major Risk Medical Insurance Program (MRMIP). This insurance program is state-funded and does sometimes have a waiting list due to limited funding. Those who qualify for the program participate in paying monthly premiums to cover its cost.
Contact us for help in Finding a Plan
Finding the right plan for you or your family member’s pre-existing condition takes a lot of work. Let one of our trusted insurance agents at THINK Insurance & Financial Services assist you. Contact us regarding what policies are available today.