Group plans are distributed by employers to workers who are employed full-time. This is a good way to distribute the high costs of healthcare. However, if you work part-time or are self-employed, you will not be qualified for a group plan. In this case, you will need to obtain private health insurance for you and your family. What if you have a chronic illness that insurance companies are not willing to cover? Such illnesses are called pre-existing conditions and in some cases, insurance companies will not only refuse to cover the condition, but will refuse to insure you at all. As an Arizona resident, that means you need to look into the possibility of getting insurance from an Arizona high risk pool.
A high risk pool is a state-sponsored program designed to offer health insurance to people with pre-existing conditions that cause them to be denied coverage from traditional insurance providers. The first high risk pool was offered in Minnesota in the mid-70s. Today, more than two-thirds of the nation’s states offer people access to these pools. Many people approach the possibility of entering an Arizona high risk pool as a last resort because of the high cost of coverage. However, many “uninsurable” people could not afford the care they need without this kind of policy.
High risk pools work by lumping the group of uninsurable people together and offering everyone in the group health care at a heightened price. This means that these pools are for people who can afford insurance but have simply been denied by all other health insurance companies. Such conditions that result in denial include fatal conditions and chronic diseases like arthritis, diabetes, bipolar disorder, asthma, obesity and high blood pressure. Clearly, these conditions are generally manageable, but the high costs associated with them often result in health insurance denial unless you work with an Arizona high risk pool.
Still, some people are not eligible for high risk pools. These people include those in prison, those who are eligible for Medicare or Medicaid or anyone with Consolidated Omnibus Reconciliation Act (COBRA) coverage. While an Arizona high risk pool is a good place to turn if you can find coverage from no other source, it does not guarantee coverage for every case. The only way to find out if you will be covered is to conduct the proper research. The best place to turn for this is an online network of insurance providers.
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Luis Rosales is a journalist for Health Insurance Buyer, a health insurance agency that provides coverages from major medical insurance carriers at prices normally or usually not offered in the health marketplace, www.health-insurance-buyer.com [http://www.health-insurance-buyer.com].
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