{"id":12289,"date":"2022-11-23T04:00:00","date_gmt":"2022-11-23T10:00:00","guid":{"rendered":"https:\/\/www.shieldagency.com\/blog\/?p=12289"},"modified":"2022-11-28T09:17:34","modified_gmt":"2022-11-28T15:17:34","slug":"can-i-get-health-insurance-with-pre-existing-conditions","status":"publish","type":"post","link":"https:\/\/www.shieldagency.com\/blog\/can-i-get-health-insurance-with-pre-existing-conditions\/","title":{"rendered":"Can I get Health Insurance with Pre-existing Conditions?"},"content":{"rendered":"\n

Health Insurance<\/a> | Over 65? Click here<\/a><\/p>\n\n\n\n

Many people wouldn’t be able to afford healthcare if they had to pay for it out of pocket. This is one of the many reasons why health insurance is a wise investment. Our team of insurance experts at Shield Insurance Agency is dedicated to helping Michigan residents understand the benefits of health insurance.     <\/p>\n\n\n\n

What is Health Insurance?<\/h2>\n\n\n\n

In short, health insurance helps you pay for your healthcare. Your health insurance will pay for a portion of your healthcare costs or all of the costs after you pay a monthly premium.<\/p>\n\n\n\n

Can I get Health Insurance with Pre-existing Conditions?<\/h3>\n\n\n\n

As a result of the Affordable Care Act, health insurance companies can’t deny a person coverage based on their pre-existing health condition. A pre-existing condition is a health issue that was present before you got healthcare coverage. Health insurance companies aren’t allowed to deny you coverage based on a pre-existing condition.<\/p>\n\n\n\n

They’re also not allowed to charge you more as a result of any prior\/ pre-existing health issues. Many health insurance companies consider many common chronic ailments as pre-existing conditions. A person with cancer, diabetes, asthma, and more, would be examples of pre-existing conditions. Even pregnancy can be considered a pre-existing condition. Health insurance companies aren’t allowed to discriminate against people who have these pre-existing conditions and more. <\/p>\n\n\n\n

Conversely…<\/h3>\n\n\n\n

If you enrolled in your healthcare plan prior to the Affordable Health Insurance Act, you have a grandfathered plan. This means that your insurance policy can still cancel your policy or raise your rates due to a pre-existing condition. However, our team is committed to answering your healthcare questions and getting the coverage you need.<\/p>\n\n\n\n

Contact Us Today<\/h3>\n\n\n\n

We at Shield Insurance Agency are standing by to serve Michigan residents. If you are enrolled in a plan that started before 2010, you have a \u201cgrandfathered plan\u201d. These plans can cancel your coverage or can charge you higher rates due to a pre-existing condition.<\/p>\n\n\n\n

\n\n\n\n

More great stories from the SHield Insurance Agency Blog<\/h2>\n\n\n