Historically speaking, finding the right health insurance plan for you could be tricky if you suffer from chronic or pre-existing conditions. This was especially the case if you were self-employed or ran a small business instead of opting for traditional employment.

But is that still the case today, and what do those seeking Burlington, NC health insurance need to know before choosing one option over another?

If you’re in the market for a new health insurance plan, Don Allred Insurance can help you explore your options. In the meantime, here are some things to know about whether pre-existing conditions affect your eligibility.

What Counts as a Pre-Existing Condition?

By definition, a pre-existing condition can be any condition for which you obtained medical assistance before you had the health insurance plan in question. It can be a chronic condition requiring ongoing treatment, such as diabetes, depression, or hypertension.

Issues arising from accidents or other illnesses can also qualify as pre-existing conditions. So can a pregnancy if it began before health insurance coverage kicked in.

How Do Pre-Existing Conditions Affect New Insurance Options?

While it’s true that good personal health insurance was once notoriously hard to get if you had pre-existing conditions to consider, that changed for the better with the Affordable Care Act, effective January 1, 2014.

On that date, it officially became illegal for insurance providers to deny you coverage because of pre-existing conditions, including severe or terminal conditions like cancer. Providers can no longer raise your rates or restrict your benefits because of those conditions. And yes, this is as much the case in and near Burlington, NC, as it is anywhere else in the country.

However, it’s still important to make sure you settle on exactly the right plan for you, so it’s advisable to speak with an experienced insurance agent before making a final decision. Call us today at Don Allred Insurance, and let us take the guesswork out of the process for you!

Residents of Burlington, NC often underestimate the value of having a life insurance policy in place. Whether they believe that they can’t afford a policy or don’t understand the benefits of one, around 50% of Americans are without life insurance as of mid-2022. This can be a big problem in the modern age, with the cost of living constantly increasing and fatal illnesses and injuries all too common. At Don Allred Insurance, we’ve made it our goal to ensure that everyone in our community has the facts they need to make an informed decision regarding life insurance.

Why Life Insurance Is Important

In the most basic terms, life insurance gives a level of financial security to those we leave behind. If you can ensure that after your passing, your family can continue living the life they’ve grown accustomed to without stressing about money during an already stressful time. Many individuals that purchase life insurance only consider the cost of a funeral and choose a plan that has significantly less value than their family needs. If you’re the main provider for your family, the loss of your income can impact the lives of your loved ones for years to come. On the other hand, if you’re a stay-at-home parent, your partner will likely need financial support to pay for childcare services.

Looking for a policy that fits your needs? Contact Don Allred Insurance today!

No matter your situation, having a life insurance policy in Burlington, NC is a good idea. If you need help sorting through all the different types of policies and providers available to you, contact the team of experienced agents at Don Allred Insurance today! We can help you make an informed decision that eases the stress of planning for the future.