Can I get insured, if I have a pre-existing condition?

The always nagging question:  Can I still get insured, if I have a pre-existing condition?  The answer is YES!  When applying to a major health insurnace carrier for an individual policy, the insurance carrier has the opportunity to review your medical history and deny you based on the results.  This is the main difference between group and individual insurance.  With group insurance, an insurance carrier can not deny an individual based on their medical information. 

With an individual policy, after reviewing your medical history an insurance carrier is either go to: 

1. Approve you as a stardard offer.  

2. Approve you with an exclusion, wavier, or rider.  

3. Approve you with an adjustment rate. 

4. Or deny you, all together.

If you are denied coverage from a privately held health insurance carrier, there are options to get insured. For example, in Illinois there is a state sponsor health insurance plan for people that can not get insured elsewhere.  ICHIP, The Illinois Comprehensive Health Insurance Plan is a guaranteed issued health insurance plan for people that are in a high risk pool.  The monthly premimum are substantial higher and there are specific enrollment requirements.  Please contact a Gizmo Health representive for ICHIP enrollment details.