Pre-Existing Health Conditions

No Pre-Existing Condition Exclusions in Healthcare Reform

No Pre-Existing Condition Exclusions in Healthcare Reform

Acceptance of pre-existing conditions is one of the most important features of health care reform, The Affordable Care Act, for individuals, very small groups as well as people in ICHIP (Illinois Comprehensive Health Insurance Plan) benefit.

Single (Individual) Acceptance Just Like Group Acceptance. Used to be, you could get group health insurance regardless of the condition of your health. But singles (individuals) had to answer lots of questions about their current and past health. Then the insurance provider might exclude covering that condition. Or increase the premium. Or deny coverage to you altogether.

Jerry S. Pearlstein Insurance Ltd. is ready to help you enroll in personal health insurance that cannot deny you coverage if you have a pre-existing condition. Call us at 847-362-8888 for federally qualified, personal assistance under health reform, or read further.

Health care reform requires insurance companies to provide you with complete coverage under Qualified Health Plans that begin January 1, 2014 regardless of the state of your health.

If you develop a condition, they cannot exclude it or increase your premium.

Only these 4 questions may be asked.

Here’s what health care reform asks:

  • Single (individual) health insurance? Or how many on the family health insurance policy?
  • Where do you live?
  • Citizenship status?
  • Tobacco user?

You no longer have to have a group to be insured. If you formed a small group for health insurance because a family member or employee had a pre-existing condition, check out the benefit of having individual health insurance policies under health care reform.

ICHIP is impacted by the Affordable Care Act. If you’re one of the 20,000+ people with pre-existing conditions enrolled in the Illinois Comprehensive Health Insurance Plan, you received a letter urging you to select coverage under the Affordable Care Act to replace it. We are qualified to help.

Call Jerry Pearlstein Insurance Now
The agents at Jerry S. Pearlstein Insurance Ltd. urge you to explore your options with one of us in order to make an intelligent, adult decision. Each health insurance agent is qualified in at least three areas of health reform. Call us at 847-362-8888 so we can assist you through the Exchanges and beyond for your individual, small groups, or ICHIP  needs.