You're gasping for breath; you feel like a fish out of water. You're trying to breathe, but you don't feel as though you're getting any air. If this has happened to you before, then it's possible that you have asthma. This is a chronic condition in which the airways become inflamed, obstructing airflow and hampering the lungs' effort to draw air and oxygen into your body. While this condition is easily treatable, there's a price for that treatment, and the immediate financial effects of being diagnosed with such a condition may first be seen when you try to apply for health insurance.
If you know that you have asthma, then you must be sure to report this to the insurance company when you first try to apply for coverage. This is a part of the medical underwriting process, so you'll have ample opportunity to report this fact to the insurance company. If you fail to disclose that you have previously been diagnosed with any medical condition, this could constitute insurance fraud and you could be slapped with a hefty fine and, possibly, time in jail. It's not worth the attempt to try to save money on your premium. It's in your best interest to be honest about your condition.
And, while you're looking for policies, make sure that you get one that provides adequate coverage for your condition. This includes doctor's visits and even possible visits to urgent care in case of an emergency. The ideal policy should also provide coverage for asthma medications such as fast-acting inhalers and even other drugs that are formulated to control this condition over long periods of time. The last thing you want is to choose the cheapest insurance quote offered to you only to discover that the policy you chose doesn't actually cover any of the medical care that you need.
Of all the possible differential diagnoses for symptoms such as wheezing and shortness of breath, a straight-up case of asthma is actually a relief. This condition is easily treatable and, with proper treatment, the prognosis is good. Most insurance companies don't see it as a huge risk, since it's so easily treated, so it's not likely that you'll be denied coverage as long as your specific condition is relatively mild. Ultimately, though, it's always in your best interest to get at least three different quotes from different companies so that you're sure to get the best price on the coverage you need.
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About this Author
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 50% on medical insurance
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