Has asthma affected your ability to get health insurance or cause you to pay higher rates?
I did not realize that many health insurance agents actually only represent a single carrier rather than looking for the best rate among many carriers.
Sean L. Johnson recommends thinking of an agent as "as a referral service for a certain health carrier." He recommends looking around the internet and getting several quotes.
According to theAsthma and Allergy Foundation of American, you also need to consider if your insurance will limit coverage as a preexisting or chronic condition due to your asthma. Also consider looking at whether or not your preferred doctors or specialist are considered in network. This is important because your out of pocket costs will be higher if you go out of network.
What do you think? Does asthma affect your ability to get health insurance or make it more expensive? Leave a comment or go to the forum and join the discussion.
Learn More About Asthma & Health Insurance
Your health insurance choices should never be limited to what one agent can offer. Most agents work only for a single provider, unless their stated business model says different, information that can be found out easily through questions or by checking their website. Family coverage packages should be available that will cover pre-existing conditions, but may cost you more in deductibles or premiums.
If your family history includes previous episodes of asthma appearing in a parent’s childhood history, it does not necessarily mean that their children will develop the same condition, although they may be at risk for it. Even so,a good insurance package should provide coverage in spite of the likelihood of it occurring. It may cost more in the long run, but when you have a family, it is not likely that you will be able to predict and provide for every eventuality in any case. Asthma