Health insurance isn’t an easy thing to find. Many people are employed that are eligible for coverage but are employed under groups or employers that don’t have the money to help pay for premiums or aren’t providing any help at all.
If you work for a small company, you can ask your boss if he would be willing to offer some coverage on an individual basis only. If he says yes, that is an option.
If you are self-employed, you need to do some research to see what options are available for you. In addition, you need to be aware that even if you have found a suitable small employer, you might still be required to purchase your own coverage if you want your own personal package.
The good news is that if you are a self-employed person or a small employee with a company, now is the time to get coverage.
You have a good deal of time to explore your options because insurance for the self-employed is mandated coverage in California in 2008. The deadline is June 1. 2008.
The California insurance law has a special section on “Pre-Existing Conditions” where the definition of what a pre-existing condition is. It reads:
“1. “Pre-Existing Condition” means a condition existing prior to coverage under a policy;
2. “Pre-Existing Condition” does not include conditions caused by accidents or acts of God;
3. “Pre-Existing Condition” does not include conditions caused by the medication or treatment you receive;
4. “Pre-Existing Condition” does not include conditions caused by exposure to lead when under the age of six years or are pregnant;
5. “Pre-Existing Condition” does not include the following: the medication you receive to treat the condition; the medication you receive to treat the condition plus the condition itself; the condition itself plus exposure to lead in the womb; and the condition itself plus pregnancy.
It does include “chronic” health conditions. Chronic means at least 6 months. Chronic means requiring continuous treatment.
A self-insuring person can get coverage for a pre-existing condition on a guaranteed issue plan starting in July 2008. This is a special type of policy that has special conditions. They will also cost a little more. It will be a very good time to explore these options for the health insurance that’s available for the self-employed.
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