Has asthma affected your ability to get health insurance or cause you to pay higher rates? I have had a lot more patients complain about this or have issues when changing or losing jobs over the last year.
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 the Asthma 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.
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