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Health insurance with emphysema

originally posted: 11/22/2006 reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email asktony@tonynovak.com.

Q: I have been using inhalers for emphysema for five years. Would I be eligible for short term insurance with American Health Shield?

A: Yes, you would be eligible for coverage. The application at www.MedSave.com is not screened for this medical condition. Remember that these policies do not cover the cost of pre-existing medical conditions so in your case this means that the cost of treating emphysema is not a covered expense. This is a good example of a situation where it makes financial sense to choose an insurance policy that does not pay the cost of your pre-existing medical problem because the savings on insurance premium exceeds the cost of the out-of-pocket prescription medication.

Summary

More resources:

MedSave.com