Buying insurance is hard enough as it is - it’s close to impossible to find coverage when you have a pre-existing condition. But what is it and what do you do when you have one?It’s a medical condition that was already there before you tried to obtain your health insurance. This could be anything from back pain to ADD to cancer.In most cases, if you have such a condition, insurance companies will make you wait for 9 months before providing coverage on that condition. So while other forms of insurance may be extended to you, back X-rays or ADD medication or chemotherapy won’t be covered for 9-12 months after you’ve signed with the company.This sounds like a raw deal, and in many ways it is, but there are a few programs that exist that make it a little less disturbing. The HIPPA laws dictate that if you’ve been insured with another company for 18 months, and you switch insurance companies, the new company must give you credit for those 18 months. But of course, there is a catch: the switch has to take place in roughly 2 months. You can’t work for 18 months, be uninsured for 10 years, and […]

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