Why are insurance companies allowed to not cover pre-existing diseases?

Question: I am a diabetic that cannot get coverage because of pre-existing. I have high blood pressure and I am out of my medication. I need money to go to a doctor but I need to get blood test for the diabetes. I make just above minmum wage and my state doesn't help with medical unless your a child or you are pregnant. Soon I will be out of the other medications that I need. I can get help with medications but cannot afford to go to the doctor for all my needs. I have over 100,000.00 in medicaal bills in just 1 year alone and I miss work because I get sick because I am out of medication. I know I am not the only person going through this but people like me that have to continue on this road die sooner then they shoud!!!

Answers:
Welcome to the greatest country in the world! Good old USA land of the free...free to die without medical care! Okay...that said, there are clinics that provide free or low fees. Check out this link to find clinics near you...
http://ask.hrsa.gov/pc/
You can also call your local Red Cross and United Way chapters to see if they have health assistance programs. You've already found that you can get help with your medications. Churches are also resources that might be able to help. Some states have high risk pool insurance for people who are not eligible for private insurance, call your state insurance commission to see what they offer, if anything. However, if it is available it's expensive and you'll probably have to wait 6-12 months to be covered for pre-existing conditions. some will waive that period if it hasn't been more than a few months since you had insurance. It's frustrating...but I assure you that even people who are "fortunate" to have insurance are paying a lot of money in premiums for insurance that covers little. I'm really sorry for you, hope some of these suggestions help you find some help...

Insurance has to cover pre-existing conditions...IF they accept you...after a waiting period, usually a year. The do not have to take you with a pre-existing condition. And then depending on the insurance they might put testing supplies, needles, pen needles, etc, in a different part of the policy so that you have to meet a deductible before they pay. And some states do not require them to pay for them at all! They're in it to make money, most diabetics are most assuredly going to COST them money....it's all about the bottom line.

---

Insurance companies are there to make money, not help the public. If they were forced to covered existing conditions, nobody would get insuance until they needed it.

What you need is to change your countries view on public health care plans. Everybody should be covered.

---

sorry to hear about your dilemma, but I will be there also when my husband retires soon down the road. He will have medicare but I won't be eligible for it for a few more years. no one is going to insure me and if they did, I could not afford the premiums. it should not be this way. We need socialized medicine.

---

---

More Questions and Answers

• Like to find out more on MS, all i cant find any thing about pain on it and if it is part of the illmess.
• What does it mean to have an inflamed pancreas?
• Why Did They Invent Drugs If We're Not Suppose To Use Them?
• Aside from a Ted Hose is there anything else i can use on my calf to keep it from swelling when i'm on my feet
• does AIDS spread thru oral sex?
• I have enlarged nodes in my groin (i think they were allways there (but not sure) , does that means i am Hiv+?
• Why do people's skin on their feet peel?
• If a prostitute gives me a handjob, what are the STDs I have the chance of getting ?