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What Does "Pre Existing Medical Insurance" Really Mean?

The Need for Breast Health Insurance

Both men and women of all ages are in danger of having breast cancer, which occurs when cells in the breast start to grow out of control, attack nearby tissues and spread through out the body as tumors. Benign tumors aren't life-threatening and do not spread; malignant tumors, however, are dangerous do contaminate nearby tissues. Breast cancer is deadly. Thus, early detection is very important. This can be done through regular mammograms and clinical breast exams and self breast exams should also be performed regularly.

Mammograms and all the medical attention required for diagnosing breast cancer can be paid through a health insurance policy. MedHealthInsurance relates that those diagnosed with breast cancer can have access to healthcare they need by having a solid health insurance policy in place. 

Do Insurance Policies Cover Breast Reconstruction?

Under the Women's Health and Cancer Rights Act of 1998, health insurance plans must cover breast reconstruction in connection with a mastectomy once the patient decides to have reconstruction. The patient must receive insurance benefits from her plan for the mastectomy. The insurance must also cover prostheses and treatment of physical complications at all stages of the mastectomy.

Breast Health Insurance: What to Look for?

A Kaiser Family Foundation study states that employer-sponsored health coverage, through your jobs or through your spouse's, is an option if an individual policy is too costly for you. However, those who are dependents on their spouse's plan could lose their insurance if they become divorced or widowed, or if their spouses lose the job. A managed care or fee-for-service plan is more on preventative services. You choose a physician to coordinate your overall care within a network of contracted health professionals and hospitals. You pay premiums and modest co-payments for office visits and prescriptions. In indemnity plans, you're not restricted to a network of physicians. You must pay a yearly deductible before the plan pays a portion of your medical fees. You will pay for the remainder.

People either don't have a health insurance program, or have a health insurance program that does not offer sufficient coverage to pay for all the medical attention needed. Make sure the insurance policy covers checkups, chemotherapy, mastectomy, and breast reconstructive procedures. Writer Kathy Steligo notes that you must assess and understand your coverage and make sure it will serve you well before you need it.

Read the plan to identify how much you will pay, which doctors you can consult, and what hospitals you can go to. A policy may not cover everything so you have to check it thoroughly. Ask your HR department or your insurance company for clarifications if you have any questions. You may also contact your state insurance commissioner to ask about group plan rates provided by your union, church, or professional organization.

The plan must have comprehensive prescription drug coverage. Group plans may offer prescription drug plan and pay for the majority of FDA-approved prescription drugs. 

Where to Get More Information?

Visit the websites of the U.S. Department of Labor and the U.S. Department of Health and Human Services for information about the specific requirements of the law with regards to breast health insurance coverage.

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