YOU ASK:

I have a pre-existing condition. Will I be able to get health insurance under the new health reform law?

WE ANSWER:

Yes, insurance companies will no longer be able to deny you coverage due to your pre-existing condition.

This comes as welcome as welcome news, particularly for those who cannot buy insurance from the individual market due to their health.

In the past, it is standard practice for insurance companies to deny coverage to those who already have an illness (particularly one that is chronic and expensive to treat, such as diabetes). Or, at best, the insurance companies will issue the policy but will exclude the pre-existing condition. This means that even if you have health insurance, you can't claim against this policy for the excluded disease.

Well, these practices will be a thing of the past once the health reform law fully kicks in. These are part of the major aspects of the health reform law. This applies not just to you but to your dependents as well.  Beginning the year 2014, insurance companies will have to accept your business, pre-existing condition and all.

The new health reform law has also provided for coverage (for those who have pre-existing conditions) for the meantime.

What will happen is that if you have a pre-existing condition and have been unable to get coverage for the last 6 months, you can buy affordable health insurance through a high-risk pool that was not offered before this law was enacted. This high-risk pool will cover those with pre-existing conditions up until the year 2014. By this time, insurance companies will be prohibited from refusing to cover you because of your health condition.

That means you have guaranteed eligibility for your insurance! This applies not just to government-sponsored insurance plans but for private product offerings as well. So you don't have to worry about being denied or discriminated because of a previous illness.

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