President | Founder, CLM Insurance Group, Delray Beach, FL
Your pre-existing condition is not necessarily covered by you insurance plan. Although applicants can no longer be denied due to their medical history, many plans still have exclusions and limitations written into the policy. It's vital to read through the summary of benefits and Coverage prior to enrolling in a policy to make sure it protects you and your conditions.
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That is a great question! One of the best things about the Affordable Care Act ( Obamacare) is that it banned health insurers from using the pre-existing condition exclusion any longer. It also removed the life time cap on payments that insurers had applied. While you can no longer be denied coverage, it is wise to shop your policy options, as not all policies will provide the same coverage and treatment plans. Once you have discussed with your care providers what to look for in your health plan, I recommend that next enrollment period you head to the healthcare.gov website, and shop for your policy there. Another great perk of the ACA is the subsidies that many people qualify for. Good luck, and thanks for asking!
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Please click the "Contact Me" button on the left or run a personalized quote at: http://goo.gl/gsqRog
Also, feel free to call me anytime at: 561-320-2978