INSURANCE executives held out hope to the afflicted late last month by announcing their willingness to end a notorious industry practice: charging higher premiums to people with health problems or denying them coverage altogether.
But don't breathe easy just yet. The change, promised at a Senate hearing, would hinge on the condition that Congress in turn require everyone in the land to carry health insurance. And Congress is still at least months away from taking up major health legislation.
So for now, consumers with pre-existing medical conditions must continue the struggle to obtain and keep medical coverage.
"It is arguably the biggest minefield out there when it comes to getting and keeping your health insurance," said Karen Pollitz, project director at the Health Policy Institute at Georgetown University. "Under the current system, the people who need insurance most can't afford or can't get coverage."
Until the system changes, here is basic guidance for people with pre-existing conditions, whether you're currently covered or shopping for insurance.
More ...
