In most cases after choosing a health insurance plan, or after having made adjustments to ones current hospital cover or family cover, one may have a minimum waiting period that has been decided by the government. At this time the insurance company and/or government will confirm that the insured person or family will not discontinue the service after a big claim shortly after having joined. In general, people with pre-existing conditions or who are pregnant will have a waiting period of approximately twelve months, around two or three months for psychiatric or mental conditions, and about one or two months for most other health conditions. However, it is important to remember that different insurance companies may have different waiting periods.
Unfortunately not everyone can afford to wait for their insurance claim to be cleared, which is why so many people are interested in the health insurance no waiting period plan. With this plan, people can obtain a discount card which will help one pay for the visit to the doctor. Another name for this is the medical discount plan, and it will also work with dentist visits. The main advantage of this type of plan is that one may see a doctor within three or four days after joining, rather than waiting for a long period of time. In addition, with this type of health fund, one will obtain a discount on dentist and doctor’s fees.
There is also another option with the health insurance no waiting period plan. This type of plan may also be obtained through ones employer, and may include more options, prices and different types of coverage. For those people who are interested in a health insurance no waiting period plan, a good place to start at work is by asking the human resources department for more information.
Fortunately, for people who are having financial trouble or who are considered low income families, some hospitals and/or doctors are willing to look at other options for their patients such as the health insurance no waiting period. In addition, some doctors offer a discount if clients pay cash, or will work out a payment plan for visits which cost more.
Unfortunately, pregnant women may have a dilemma when considering a health insurance no waiting period plan. In general, health care providers do not categorize pregnancy as a pre existing condition, however there may be many loopholes in the contract which may deny a pregnant woman from health coverage for pre and post natal care. For women who do not have the time or patience to research a health insurance no waiting period, a better option may be to quickly look into a public option or government assist options. Since this type of insurance may require a waiting period, it is not necessarily the best option.
For optimal coverage and the best prices available, it is recommended that pregnant women, those with pre existing conditions, and those who are perfectly healthy all plan ahead and research all options before committing to a particular plan.