Suffering from high blood pressure can put you at risk for a lot of significant health conditions. Hypertension can cause stroke, myocardial infarction, heart failure, kidney failure, and other critical conditions. This is why people diagnosed with hypertension can occasionally find themselves paying way too much for insurance or, in some cases, even denied health insurance altogether. But there are ways to make sure that you get the coverage you’re looking for at the best possible price. While you may have to pay more than others who don’t suffer from this condition, you can at least do your best to make sure that you’re not overpaying for insurance.
When considering health insurance, you should consider all of the medical care you will want for your high blood pressure. You may be prescribed medication, so you will want to make sure that you have prescription drug coverage in your insurance policy. You will also most likely have to see a cardiologist fairly regularly in order to be checked, so you should make sure that you won’t need a referral to see a specialist. And, since there’s always a chance that you could suffer from one of the conditions precipitated by hypertension, you’ll want to make sure that emergency care is covered in your policy.
One of the best ways to drive down your insurance premium is to get your high blood pressure under check. You should do your best to eat right, exercise, moderate your alcohol consumption, and quit smoking. These are all factors that contribute to better blood pressure. And if an insurance company can see that you’re doing your best to address your blood pressure issues, then they’ll be more likely to offer you a lower premium, since they’ll see that you’re not using insurance as an alternative for good health.
While it may be tempting, do not, under any circumstances, attempt to hide your high blood pressure from your potential insurer. Insurance companies are very good about checking into the medical history of their clients and, if you’ve misrepresented the state of your health in any way, they will find out and there will be consequences. You could lose your insurance policy. You could be left with all of the bills for any treatments pertaining to your condition. Worse yet, you could be found guilty of insurance fraud and be fined or even jailed. Honesty is the best policy when it comes to medical insurance.
About the 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 individual health insurance quote today, you can save up to 50% on your monthly premium.