Finding Health Insurance for People with Multiple Sclerosis can be Difficult and Frustrating
In the US, finding health insurance for people with multiple sclerosis (MS) can be a difficult and frustrating thing. If a person is not fortunate enough to work for a company or an organization that provides health insurance for them, a diagnosis of MS can be a frightening thing when it comes to life in general, but even more frightening when trying to find coverage.
Many times when looking for health insurance for people with multiple sclerosis insurance companies, who always have the bottom line in mind, will reject any application made on the grounds of a pre-existing condition conclusion. Insurance companies see health insurance for people with multiple sclerosis as simply being unprofitable due to the high costs associated with treatment. Furthermore, when policies are available, they usually cost more than the person with MS can afford.
Some states, such as New York and New Jersey are not allowed to refuse health insurance for people with multiple sclerosis, however if an application is not made within a certain amount of time, they may impose a pre-existing condition exclusion period. This means that the insurance company will deny any claims made within a set amount of time.
Health Insurance for People with Multiple Sclerosis
One option for health insurance for people with multiple sclerosis is to apply for Social Security Disability Insurance (SSDI). In order to qualify, a person must prove that they are unable to work any job – the ability to find any type of fulltime employment will result in disqualification. The important thing is that SSDI offers Medicare health insurance for people with multiple sclerosis for a period of 29 months after the date of the disability.
Despite this, greater access to health insurance for people with multiple sclerosis is necessary. However until insurance companies stop treating lives like commodities, health insurance for people with multiple sclerosis may continue to be difficult to find.