Finding the Right Colorado Health Insurance for your Preexisting Condition

Anyone who has been paying attention to the Healthcare Reform debates in Washington has probably heard a few things about "preexisting conditions".  In fact, just these words alone are enough to make healthcare providers squirm.  If you are looking for a Colorado Preexisting Condition health plan and have been turned down because of a preexisting condition, you are already aware of how much more expensive your healthcare can be.  Many people with chronic illnesses have found it cost-prohibitive to buy a Colorado health plan, but even without a Healthcare Reform bill, there is still hope. 

If you have ever been denied health insurance in Colorado, here is one thing to remember:  the federal HIPAA laws were designed to improve the availability and portability of health insurance.  These same laws generally prevent health carriers from excluding an individual from coverage due to a preexisting condition. 

The only instance where preexisting condition become an issue is when there is a significant break in coverage (of at least 63 days), but if one has had 12 months of creditable coverage with no such break, one cannot be subjected to exclusion because of a preexisting condition.  In most cases, the only stipulation is that one must enroll when one is first eligible. 

Since these laws were adopted, many insurers have begun to add "elimination riders" to their policies.  These riders are basically amendments to a policy that exclude a very specific health condition which you may have had in the past.  This is why it is so important to work with an experienced Colorado health insurance broker.  Michael Horvat is a health insurance expert and broker with HealthQuotes.com in Colorado Springs, CO. If you are searching for Colorado Preexisting Condition health plan and quotes, please give Michael a call anytime at 800-345-0789.