One-fifth of all Americans have high cholesterol. The most prominent way to take care of yourself to prevent further complications of your condition is to take prescribed medication. While diet and exercise are great for reducing bad cholesterol, medication can be a huge help. Having elevated cholesterol will increase your likelihood of heart problems by 200%. This is the number-one health problem faced by both men and women in the United States and the third most prominent cause of death in the country. A frustrating thing for you may be that your high cholesterol is hereditary. Despite your efforts, you may always need to take high cholesterol prescription medication.
Because of the health risks of high cholesterol, health insurance underwriters look for low cholesterol levels when approving applicants. The target rate is under 200 for total cholesterol. This along with your age, gender, blood pressure, weight, height, and pre-existing conditions are all taken into account when you are considered for coverage. If you are challenged by high cholesterol levels, there are many options available to you if you find yourself being declined by regular insurance providers. One is an option is a Warranted Issue program where you can receive a limited-benefit plan with higher deductibles and premiums than standard insurance.
An Indemnity Plan may be desirable for high cholesterol patients because there are less strict underwriting requirements to qualify. This plan will either cover a certain percentage each day or a set amount specified in the benefits outline should you be hospitalized. It is amazing how quickly ICU bills can add up, especially if you are hospitalized for a week or more. Even with an Indemnity Plan or Warranted Issue program, you may find dissatisfaction with your policies.
Because of the high cost of high cholesterol prescription drugs, the possibility for coverage denial from a standard insurance company, and the lack of coverage offered by secondary options, many people with high cholesterol choose to take less conventional supplements like garlic to prevent life-threatening heart disease. Still, a person with high cholesterol may need coverage for other reasons, so they need insurance! The best advice that can be given is to work down your cholesterol levels as much as you can and pay the high cost insurance until you can be approved by a standard company. What you do not want is to have an insurance gap because then your condition may be classified as pre-existing, making it even harder for you to qualify.
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Sean L Johnson is a journalist for Health Insurance Buyer a referral service that refers consumers to the insurance carriers that can best fit their wants and needs. Get a free reduce quote today, you can save up to health-insurance-buyer.com 50% on medical insurance.
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