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Health Insurance With Epilepsy

Getting favorable Health Insurance is difficult, especially for people with epilepsy. Epilepsy is considered to be a pre-existing condition and insurance companies can even refuse to underwrite insurance policies for people with epilepsy. Some companies will underwrite policies but will exclude coverage for epilepsy and related expenses or they may require the individual to pay a higher deductible.

Federal and state laws such as COBRA, HIPAA, ADA are designed to help individuals obtain and maintain insurance coverage as well as restrict insurance discrimination. Thus, Health Insurance with epilepsy should be available.

There are many different types of insurance coverages available including group benefit plans, HMOs, Medicare, Medicaid and individual insurance policies. The most effective way to obtain Health Insurance is through your employer.

If you are unemployed, you may apply for Medicare, Medicaid or an individual plan. When purchasing an individual insurance plan, verify the type of coverage you have. Make sure your plan includes outpatient tests or specialized inpatient services if needed.

Qualifying to purchase insurance depends on the type of insurance, the person's medical history and the state in which the person is living.