Finance Insurance

How To Get the Best Huntington Insurance

Introduction

Huntington disease got its name from the doctor who first discovered in 1872, Dr. George Huntington. It is a hereditary disease which affects the nervous system and the brain. In America at least one out of every ten thousand people has Huntington disease and each child whose parent has Huntington disease has a 50/50 chance of inheriting the gene that causes the disease. There is no known cure for Huntington's disease, but various medications are used to slow the disease progression allowing patient to remain functional for as long as possible. The Huntington disease(HD) symptoms include uncontrolled movements (commonly known as chorea) and coordination and thinking problems The symptoms However, occur when the patient is in their thirties or forties and get worse with age and one has an average lifespan 10 - 20 years after onset of HD. The medical care involved is cost prohibitive especially if you do not have a health insurance. Many insurance companies however avoid insuring people with Huntington's disease due to their disease being a pre-existing condition.
As good news to people with Huntington's disease, the Genetic Information Non-Discrimination Act (GINA) was created by the government to protect the misuse of genetic information by health insurance companies. Thanks to GINA, it is now illegal for health insurance companies to deny any one medical cover or charge higher rate or premium to an individual with a genetic predisposition disorder like Huntington.
For a Huntington disease patient to access a cheap Huntington Insurance, the following options will be of much help:

Step 1

A patient suffering from Huntington disease should contact a risk pool health insurance representative in their state. A risk pool started in Minnesota in 1976 and has spread to various states in America. The pools were created from individuals who had been denied affordable health coverage by private insurance companies because of their pre-existing medical condition. Under Patient Protection and Affordable Care Act, the Department of Health and Human Services has lowered Premiums for temporary high risk pools by up to 40 percent. From July 1, 2011, applicants of Pre-Existing Condition Insurance Plans (PCIP) like Huntington Insurance are only supposed to provide a letter from their medical provider stating that they have a medical condition, disability or illness. State risk pools addresses can be found in their web site, healthinsurance.org

Step 2

The patient can also contact the Huntington's Disease Society of America (HDSA). The National voluntary health organization is dedicated to bettering the lives of people living with Huntington's Disease as well as assisting their families with the problems associated with the disease. The Genetic Information Non-Discrimination Act (GINA) was created by the government on May 21, 2009 to protect the misuse of genetic information by health insurance companies. It is now illegal for health insurance companies to deny any one a huntington insurance medical cover or charge higher rate or premium to an individual with a genetic predisposition disorder like Huntington. GINA applies in Individual Health Insurance, Group Health Insurance and Medicare. It however does not cover Long Term Care Insurance, Life Insurance, Disability Insurance and Insurance for Military personnel. The Huntington's Disease Society of America web site is hdsa.org

Step 3

The patient can also apply for Social Security Disability which provides assistance to people with disabilities. If approved for Social Security Disability, such individuals then become automatically eligible for huntington insurance medicare.

Step 4

A patient suffering from Huntington disease can also apply for Medicaid through the patient’s state’s welfare office. Medicaid is a program that is federal funded and state managed and offers huntington insurance covers to people with disabilities or low income.

Step 5

A patient suffering from huntingtons disease shall can seek the services of an insurance broker so that they can get the best huntington insurance covers in the market.

Tips

The following tips will help you to get the best huntington insurance:

  1. Do wide internet research in insurance underwriters that have huntington insurance.
  2. Enquire from friends and relatives.
  3. Seek insurance brokerage services.

Sources and Citations

  1. Adams P., Falek, A. & Arnold, J.: Huntington disease in Georgia: age at onset.
    American Journal of Human Genetics. (1988).
  2. Brackenridge, R. & Elder, J.: Medical selection of life risks. Fourth Edition.
    Macmillan. (1998).
  3. Dewhurst, K., Oliver, J.E. & McKnight, L.: Huntington's Disease. British Journal of Psychiatry, (1970).
By Ngari Njoroge, published at 03/19/2012
   Rating: 4/5 (11 votes)
How To Get the Best Huntington Insurance. 4 of 5 based on 11 votes.

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