Pre-Existing Conditions and Health Care Essay

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A new health care policy must make it mandatory for insurance companies to offer coverage to every individual who otherwise qualifies for insurance. Pre-existing condition must not be an excuse for denial. The new policy would prohibit companies from denying coverage to people with medical history or a chronic health problem. All existing policies would also be updated to accommodate the new changes. This means that people who already are suffering from a condition and have not been covered by their insurance companies will now be given coverage as long as they pay their premium on time and in full.

Similarly companies will not be allowed to leave people high and dry when they are found with an illness that is likely to affect them for some time. Benefits will not be watered down after diagnosis.

We strongly need these changes because millions of people are going without coverage every year and this doesn't only affect the patients but also the healthcare facilities on the whole. This is because people who are not covered may not seek regular medical help and this tends to worsen their condition. They may then end up in emergency services where other taxpayers will have to bear the medical cost of care for the insured.

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And in some cases, patients may just refuse to pay completely since they have no means of taking care of their medical expenses.

We must understand that denying coverage tends to hurt the entire country more than it would hurt the individual because some one will have to pay for their care or the entire healthcare system would collapse.

Thus having an insurance system would offer coverage to each and every individual with or without pre-existing condition is far better than the one we have today.

REFERENCES

1 American Heart Association. Heart Disease and Stroke Statistics 2009 Update-at-a-Glance. http://www.americanheart.org/downloadable/heart/1240250946756LS-1982%20Heart%20and%20Stroke%20

Update.042009.pdf

2 Doty MM, Collins SR, Nicholson JL et al. Failure to Protect: Why the Individual Insurance Market is not a Viable Option for Most U.S. Families. The Commonwealth Fund, July 2009.

3 USA Today/Kaiser Family Foundation/Harvard School of Public Health. National Survey of Households Affected by Cancer. November 2006. http://www.kff.org/kaiserpolls/upload/7591.pdf

4 National Women's Law Center. Nowhere to Turn: How the Individual Health Insurance Market Fails Women, 2008.

Individuals: A State-by-State Analysis: Twenty Second Edition, 2008/2009, 2008.

5 Frakt AB, Pizer SD, Wrobel MV. High-Risk Pools for Uninsurable Individuals: Recent Growth, Future Prospects.

Health Care Financing….....

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"Pre-Existing Conditions And Health Care", 03 November 2010, Accessed.6 June. 2026,
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