Depending on the health insurance company and the laws of the state where you live, there may be a waiting period after the coverage goes into effect before some illnesses and serious medical conditions will be covered. It is difficult to say exactly how…

If your eligibility for group health insurance comes around while you are on maternity leave, you will be able to purchase health insurance. Similarly, you may sign up for individual health coverage while on maternity leave. In both cases, the problem may…

Read your policy carefully. Make sure that it includes everything you can anticipate. If you are already undergoing treatment, make sure that your preferred physicians are signed up in your health insurance network, or encourage them to join. Perhaps most…

Every insurance company uses a set of guidelines to determine how procedures and conditions will be classified. Even if you are told that you do not need prior authorization for a procedure, it may turn out that the insurance does not cover that procedure…

Without medical insurance, your options are limited. Regardless of what you may have heard, however, you do have a right to medical attention. Go to your nearest public emergency room and explain your situation. Public hospitals are not allowed to refuse…

This situation is much better dealt with in advance than waiting for it to happen. Once you become ill and need to have insurance coverage, it could become increasingly difficult to find a new insurance company. Instead, it would have been better to evaluate…

There is no simple answer to your question, because there are several factors involved. Unless you are already covered on your spouse's insurance, for example, you cannot just switch to their policy. Another problem is that since you have already exhausted…

Without health insurance, you are responsible for paying your own medical costs directly, called out of pocket. If you do not have sufficient funds in your checking or savings accounts to pay for your treatments, you may have to resort to more desperate measures.…

If you get sick after your medical exam but before the insurance goes into effect, the health insurance company has the right to call it a preexisting condition. Typically, a preexisting condition is one for which you have sought or received medical care…

The confusion here arises from the fact that many medical centers do not bill immediately. Hospitals are notorious for billing anywhere from 1 to 3 months after the initial visit. Since your policy would no longer be in effect at that time, it is easy to…