Bipolar Disorder: Is there room for it in health insurance?

Bipolar Disorder: Is there room for it in health insurance?

http://insureme.us/bipolar-disorder-room-health-insurance/

For someone who does have health insurance, it is important for you to note the “continuous health insurance” clauses which state that if you’ve had a period (typically more or less than 30 days) wherein you have not had uninterrupted insurance coverage then any condition that you’ve been diagnosed with is considered as a pre-existing condition and will no longer be covered. Depending on the circumstance that caused you to lose your insurance coverage, you may be eligible to receive continuous group coverage rates through COBRA for a limited period of 18 months.

If you’re looking for health insurance, an option available to you is to obtain individual health coverage with companies that offer behavioral health insurance. One advantage to this type of coverage is that you will be able to tailor-fit your coverage to your specific needs. Still, another option is to find out whether the state you live in is one out of the 31 that operate high risk pools. These high risk pools are designed specifically for those whose health condition makes it nearly impossible for them to obtain health insurance coverage. Both of these options will be more expensive than traditional health insurance policies but it is better than not having any health insurance coverage at all.