That is why it is so important that if you are experiencing symptoms such as the ones listed above, you should consider your health insurance choices carefully. However, the victory likely will be short-lived after you discover that the condition is chronic and has no known cure. Finally getting a diagnosis of fibromyalgia after years of these symptoms might seem like a little victory. These are the most common symptoms of the disorder, but the severity and extent of the condition vary from person to person. Perhaps you have suffered for years with unexplainable muscle pain and soreness, a persistent feeling of being tired as well as trouble sleeping. Fibromyalgia is a puzzling chronic medical condition with many painful symptoms and few answers regarding its cause.
If you have medical insurance already, then you won’t likely have any trouble getting coverage for treatment of the condition. Since fibromyalgia is a chronic condition with no known cure, medical treatment for the condition will likely be varied and ongoing depending upon your specific symptoms. When you are applying for a brand new medical insurance policy, however, there is a risk that you may be denied coverage for your fibromyalgia under certain policies because you have a “pre-existing” condition.
There are options available for health insurance for the fibromyalgia patient. If you currently have insurance under a group insurance plan, for example, the federal Health Insurance Portability and Accountability Act, also known as HIPAA, ensures that if you make changes to your group health insurance plan you will not be denied coverage based on a pre-existing condition. You also will not need to wait for your insurance policy to become effective because there is no waiting period at all under HIPAA. It is important to note that HIPAA applies only to group insurance plans.
There are policies out their that will cover your anticipated monthly expenses but you have to be vigilant in searching them out. However, when you have a chronic health condition such as fibromyalgia, it is also important to take your health care needs into account when making the decision. When you are making a decision about health insurance for the first time, you might be likely to try to get the cheapest policy possible. It is also important to realize that health insurance is probably going to be available to you, but at a higher monthly premium than if you didn’t have fibromyalgia. If the health insurance policy is not denied to you altogether, you still may face waiting periods and conditions to coverage which can be frustrating.
If you have had a health insurance policy in effect for 12 months prior to applying for health insurance under a new group health plan, then federal law prevents the new group health plan from requiring a waiting period for coverage. Federal law also prohibits the group health plan from denying coverage based upon a “pre-existing condition.” What that means for the fibromyalgia sufferer is that even with a prior diagnosis of fibromyalgia, you will not have to wait for your coverage to go into effect and you have no fear that coverage will be denied to you based upon a “pre-existing condition.”
Sean L Johnson is a journalist for Health Insurance Buyer a referral service that connects consumers to the insurance carriers that can best fit their wants or special needs. Click on link and access you instant approval for MAJOR MEDICAL PPO’s in your state