Monday
Can Obese People Obtain Health Insurance?
Nowadays obesity has become one of the serious health issues in United States. According to the statistics, it has been stated that one in five Americans is considered overweight. When someone's body mass index (BMI) has reached 30 or more, he or she is definitely suffering from obesity. Now the critical issue arises here is whether the obese people are able to obtain health insurance coverage from the insurance companies.
When a person who is suffering from overweight problem approaches the insurance companies, he or she may face some problems. In fact, obesity is considered as one of the undesirable pre-existing conditions by the insurance providers. This is because obesity is always linked with some high risk diseases like diabetes, cancers, heart disease, etc. Some insurance companies are hesitant in providing the coverage after looking at the medical report.
Is it confirmed that those people who suffer from obesity are totally rejected by the insurance companies? The answer is NO. They still have high chances in obtaining health coverage.
Most of the insurance providers are providing health coverage to those overweight people. They still allow the obese people to purchase the particular insurance but they exclude this pre-existing condition. The premium of this type of policy is quite the same as the premium of normal and healthy policy holders because their key health problem is not covered.
On the other hand, some of the insurance providers are willing to accept this pre-existing condition but they require the policy holders to pay for higher premium. It is still worthwhile for the obese people to obtain the policy by contributing more premium as their health will be protected and they do not need to worry about their medical fee in future.
Last but not the least, although the premium for overweight policy holders is high, it can be reduced if they can prove to their insurance companies that they are in the midst of reducing their weight through diet plan or weight loss program. In conclusion, the chances for people who are facing obesity problem to obtain health coverage is still high.
Jeslyn_Jessy
