Realtimehealthquotes.org is part of a privately owned agency and is not affiliated, operated, or endorsed by any government agency.
Open Enrollment is NOW! Don't wait, Get a Qualified Health Plan Today!
*RATES FROM:
$2.00/day
Pre-Existing Conditions
What if I have a pre-existing condition?
Regardless of any medical condition a person may have prior to when your coverage starts, insurance companies are required to abide by the rules in respect to the essential health benefits for pre-existing conditions. This means that no insurance provider can reject you, refuse to pay, or let it affect what they charge for medical care. Pricing must also not affect what they charge based on gender. With the exception of grandfathered plans, all insurance companies are required to recognize provide these benefits to pre-exiting condition customers. And of course all Marketplace plans, Medicaid and CHIP provide these essential health benefits as well.
Need 2023 HealthCare Coverage? Find options!
What if I am pregnant or adopt a child?
Pregnancy and adoption are categorized in the pre-existing condition field and will qualify you for a Special Enrollment Period to enroll or change plans. Once enrolled, coverage will begin as soon as your plan begins.
With adoption, as mentioned above, you may enroll or change plans during open enrollment or a Special Enrollment Period and your new plan will take effect beginning on the date of birth or the start of adoption, not past 60 days of said date.
How are grandfathered plans affected by pre-existing conditions?
Grandfathered plans that are purchased independently from your employer, are not bound by the pre-existing conditions requirements. But once your grandfathered coverage year ends, you will qualify for a Special Enrollment Period, if necessary, and you can choose to purchase a Marketplace plan that fits the needs of you and your family.
Individual & Family
Small Business
Pre-Existing
FAQ
Contact Us
Real Time Health Quotes has been verified as an approved Health Insurance Provider qualified to offer ACA / Marketplace Plans by Verisk Financial – G2.
Health Enrollment licensing information can be found here.
Realtimehealthquotes.org is not affiliated with or endorsed by the United States government or the federal Medicare program.
By providing your contact information you are agreeing to opt in to communications by a licensed agent of Real Time Health Quote by phone, text or email to discuss Health Insurance Plans, Dental Insurance Plans, Association Plans, Medicare Advantage, Medicare Supplement Insurance Plans, and any other products or services we may offer even if you are on the National, State and Local Do Not Call Registry. The message frequency may vary.. Real Time Health Quotes nor its agents are connected with either the Federal Medicare Program or Healthcare.gov. Message and data rates may apply. You may text STOP or UNSUBSCRIBE at any time to be removed from future communications. See privacy policy and terms and conditions at the following link: https://www.realtimehealthquotes.com/privacy-policy/