Chronic diseases can be diagnosed at any age: both in early childhood and in older age. One way or another, such a diagnosis affects the life of a sick person, and very often his/her relatives. In most cases, one of the manifestations of such an impact is various financial costs – to provide urgent medical care for relapses, treatment, regular monitoring in health facilities. Are these costs covered by health insurance (Medicare, Medicaid)?
Chronic illness in health insurance
The most common chronic diseases are:
- bronchial asthma;
- heart disease;
- oncological diseases;
- bronchial asthma;
- stomach ulcer;
- and many others.
Often an untreated acute disease develops into a chronic form: chronic gastritis, laryngitis, bronchitis, cystitis and so on.
Bronchial asthma is the most common chronic disease, which accounts for the vast majority of clinical cases. Many children and adults are allergic to any substance, which can cause the development of the disease. It is especially dangerous that mild forms of asthma are often not detected in a timely manner and remain untreated for a long time.
The presence or absence of asthma depends on a number of factors, including the following:
- physical activity;
- bad habits;
- working conditions.
When buying health insurance, it is important to pay special attention to this type of medical condition. One should keep in mind that the coverage of the risk of exacerbation of asthma is not provided by the vast majority of insurance programs.
In this case, it is necessary to take into account the time of diagnosing this medical condition. If the chronic disease is a preceding condition, that is, it manifested itself and/or was diagnosed before buying insurance, then it is hardly possible to count on covering such an event. And if the disease has already occurred during the validity of the contract, then according to the terms of some programs, such cases may be grounds for compensation.
If your health insurance does not cover the costs spent on buying the necessary asthma drugs (pills, inhalers, etc.), treatment may turn out very expensive. To reduce your expenses, you can order generic medication with exactly the same composition but lower cost. For example, you can solve your problem by visiting nomarinc.org.
So, before buying Medicaid or Medicare insurance, always contact financial consultants if you have any questions about a chronic condition like asthma. They will tell in detail about all the nuances of covering the risk of chronic disease.
Category: Health Care
Tags: Asthma, chronic disease, health insurance, insurance