I was reading an article recently about a young man in Tennessee who was denied health insurance by several companies due to a pre-existing condition. He has residual back problems stemming from a car accident occurring about a year ago. Two companies offered him covered, one at a monthly premium of $1200, the other would cover any services not related to his existing back injury.

For those of you who are seeking health insurance coverage, be aware that certain pre-existing conditions may make it difficult for you to find affordable coverage. Such conditions include diabetes, cancer, certain mental illnesses, and some kidney, heart and liver diseases. When researching for coverage, you will want to review the pre-existing condition clause of the policies you are considering.

Health insurance coverage for pre-existing conditions is part of the national health care reform debate. A pre-existing condition is any disease or illness which is diagnosed prior to enrollment in a health insurance plan. Many plans have specific rules regarding coverage for previously diagnosed conditions for new insureds. Typically, the plan will not provide benefits for the pre-existing condition for a set period of time. The exclusion period may be anywhere from 12-18 months.