The difficulty of rising health care costs is becoming a terrible problem for many Americans, since most don’t have health insurance coverage. So this means whenever they approach an insurance company for health insurance, they are turned down on grounds of having pre-existing conditions.
Pre-existing conditions are health conditions for which you have received treatment in the past or are receiving treatment presently. Pre-existing conditions include diabetes, heart disease, high-blood pressure, and even asthma. Each insurer has its own rules and regulations to determine their own criteria for preexisting conditions. Some of the insurance companies allow complete coverage after a waiting period and some deny coverage from the start. Having a preexisting condition puts you at a higher risk for being uninsurable.

HIPAA or the Helath Insurance Portability and Accountability Act of 1996 (HIPAA) determined that health insurance carriers may or may not cover preexisting conditions. HIPAA defines preexisting conditions as a physical or mental condition for which medical advice diagnosis care or treatment was recommended or received within a six month period ending on the enrollment date. Insurance companies can exclude people who previously have had insurance coverage. The insurers can also exclude people who have been without coverage for 63 days. Also acceptance by the applicant to the health insurance policy does not guarantee that full coverage is granted right away. Typically, the insured has to endure an exclusion period of 12 months maximum following date of enrollment.

Millions of Americans are in constant search for health insurance that will accept them despite there existing medical condition. VitalOne Health is here to help you get the coverage you deserve at a price you can afford. Health insurances that are not HIPAA compliant, do not provide the insured with real insurance coverage, or peace of mind. These health plans have no contractual backing for a regulated insurer. They also unfortunately provide a false sense of security, and generally are worse than having no insurance at all. So beware of faulty pre-existing condition health insurance plans. They will only charge you money and provide very little to no benefit at all.

Visit www.vitalonehealth.com for real HIPAA compliant pre-existing condition health insurance plans. The insurers we have selected for our clients promise and deliver health insurance plans that accept all applicants regardless of pre-existing conditions. This means a guaranteed issue health insurance policy for people who cannot qualify for any other insurances due to existing illnesses is our specialty.

We welcome you with open arms to enjoy benefits from our unique health insurance that accepts you for who you are, and recognizes everyones need for quality health care regardless of the situation they’re in. Our insurance is real health insurance that provides PPO network re-pricing which will provide you and your family with huge savings and reliable benefits.

Young adults between the ages of 18 and 28 represent one of the largest fast growing segments of the U.S. population without health care coverage.  In an effort to ensure that all Americans are insured a growing number of states have enacted legislation to allow children to stay on their parent’s health insurance plans until the age of 23.

Youth is now at a higher risk of being uninsured. Young adults accounted for were over 13 million of the approximately 45.7 million Americans under the age of 65 living without health insurance in 2007, according to the latest available census data.  That amounts to approximately 30 percent of 18 through 28 year old young adults living without insurance.  According to recent studies, the young adults most at risk of lacking health care coverage are those from low income households. The reports data also found that Hispanic and black young adults were at greater risk of being uninsured than whites.  Specifically, 36% of blacks and 53% of Hispanics between the ages of 18-28 lacked health care insurance, compared to 23% of whites in 2008.

Most children receive health care insurance either through their parent’s or guardian’s policy or a public health plan.  This coverage generally expires when a young adult graduates high school or college or at the age of 18. Once being dropped from their parent’s policy or from a public program it is often difficult for young adult’s to secure their own health insurance, either because of ordinary transitions, their employment status, or for monetary reasons. Especially when an Estimated 40% of uninsured young adults live in households with incomes below the federal poverty level.  Purchasing private insurance is often not an option, but is possible if research is done for the most affordable and beneficial private insurance company in your area.

In response to the growing problems of uninsured young adults, states have passed laws that require health insurers to allow young adults to stay on their parent’s health insurance policies for a longer period of time.  According to personal research, 34 states now have laws that expand dependent health insurance coverage and 17 of these states considered such legislation in 2009.  There are three states, Idaho, Pennsylvania and Nebraska adopted those measures.  A half dozen similar bills are still pending either for this year or carrying over into 2010.  New Hampshire, which already allows young adults to stay on their parent’s policy up until age 26, has sent a bill that would allow low-income adults up to the same age buy into the state’s Healthy Kids program for approximately $200 a month.

There are limits to some laws to qualify coverage to young adults who stay on their parent’s policies. The majority of states which have extended the age of which young adults can remain on their parent’s policies place certain restrictions on the health care coverage, such as requiring the young adult to be unmarried, and in all but a few states coverage can only be extended to young adults who have no children of their own.

According to sources, states find these laws attractive because they allow more people access to health coverage without the state having to pick up the tab.  However, they caution that these bills are not a solution for the rising tide of health care costs, especially since the measures adopted this far do not require employers to carry an employee’s adult dependents on the company policy and that the laws generally apply only to employer-provided group plans.

How valuable is your health to you? I bet your thinking, “What kind of question is that?” Your health is invaluable, right? Now here’s a little insight, if you should ever experience any health problems there are doctors that will quickly put a price tag on how much your health is worth. If for any reason an illness or accident should send you straight to the hospital you could end up spending your lifetime savings on treatment. Luckily, for these types of situations there is health insurance. Although choosing the right one can be overwhelming.

There are several factors that have to be determined before you can choose the best insurance that meets your specific needs. When searching or even considering any type of health insurance take the time to consider you and your family’s current lifestyle first. Then take in account how much you can afford for monthly premiums and co-payments. Make sure you consider a premium that will not increase at least for 12 months just so when it does you can be prepared. Take your time and understand the basics of health insurance, you have to understand that every year you get older and as you get older more risks are taken by your insurance carrier that’s the reason for your premium increase.

There are also many other benefits from taking just a couple minutes out of your day to really sit down and think or speak to your spouse about. Always remember that there are hundreds of health insurance agencies, or at least that’s what they’ll call themselves these days. It’s always better to have an insurance agent, someone you can talk to if you don’t understand something about the policy you are considering to purchase. I know trusting someone that you deal with over the phone is very hard, but you always have to remember that by law you have 10 days from the receipt of your policy (meaning the day you receive it in the mail) to cancel any policy and get a full refund with no penalties attached. Last but not least take a look at the type of plan you are purchasing.

What type of plan are you purchasing?

Is it an HMO or a PPO? Take in to consideration that although an HMO can have low monthly premiums they do not cover as much and you are looking to spend more money out of pocket. Usually with an HMO you would have to stay in network and/or get a referral if you have to see a specialist. A PPO on the other hand sometimes has the same monthly premiums of an HMO but allows you more benefits and you don’t need to stay in network, and depending on which insurance carrier you are purchasing the plan with you won’t need a referral to go see a specialist. You may have heard the term “You get what you pay for!” So if you are searching for quality health insurance why settle for less.