保险范围和心脏缺陷

Health and life insurance provide the foundation to help you protect your family finances and achieve your life goals. Understanding insurance billing and coverage can be tricky, 尤其是当你有先天性心脏病的时候. But knowing a few simple facts can make things much easier.

健康保险

最重要的 先天性心脏病 require lifelong monitoring and treatment by a cardiologist. That's why it's important to obtain and maintain adequate health care coverage with a policy that lets you see physicians with special knowledge of adults with congenital heart disease. 在大多数情况下, as you reach adulthood you won't be able to obtain health insurance through your parents' policy.

Seek plans that don't have pre-existing condition clauses that may exclude coverage for your heart disease. Generally, the best way to get coverage is through your employer's group health insurance. Most large companies will offer you group health plans at reasonable rates, 尽管你的心脏有问题. 如果你的心脏状况比较复杂, be sure your plan allows you access to a cardiologist who's experienced in treating congenital heart disease in adults.

If you have health insurance through your employer, be very careful when changing jobs or policies. You may not be eligible for coverage under a new insurance plan or policy, 基于特定的排除条款, or there may be waiting periods before you can receive full benefits.

If you don’t have insurance through your employer, you may want to buy a plan on your own through the Affordable Care Act’s Health Insurance Marketplace. The Affordable Care Act made it easier for people without health insurance or who are looking to switch health insurance plans to find quality, 负担得起的保险. 所有的健康计划都是通过Healthcare销售的.gov are offered by private insurance companies and must meet minimum requirements.

These ACA-compliant plans are required to cover a comprehensive set of benefits including hospital care, 去看医生, 急救护理, 处方药, 实验室服务, 预防护理及康复服务. Insurers are not allowed to charge more or discriminate against people based on health status, 健康史或性别. The ACA also allowed children to stay on their parents’ insurance until age 26.

人寿保险

Young adults with many 先天性心脏病 can usually buy life insurance without difficulty, 但成本可能更高. 定期人寿保险, especially if bought through a group such as an employer, is often affordable and requires less medical information to enroll. Insurance companies vary a lot in how they consider congenital heart disease when offering life insurance. Compare information from different companies before drawing conclusions about your insurability. An insurance agent who doesn't work for just one company (i.e., an independent agent) may help you compare policies.

Even if you were denied a life insurance policy as a child, reapply as an adolescent or adult. Many insurance companies will consider applications from adolescents or adults once the severity of their heart condition is known with greater certainty.

Information from life insurance applications is centralized at the Medical Information Bureau Inc.在美国，保险公司可以看到它. 如果你买保险有困难, you may want to have your bureau information forwarded to your doctor to verify its accuracy.

如果你买不到人寿保险, you may need to consider other ways to protect your family financially.

金融支持

While diagnosing and treating congenital heart defects with surgery is costly, there is help. Because the medical expenses of cardiac care are often extremely high, some families — even those with health insurance — need help to pay them. Fortunately, every state has an agency to help eligible families meet their medical expenses. Your health care team can provide more information about the program in your state and help you apply. The amount of financial aid you can get depends on the rules for eligibility in your state, your financial situation and health insurance policy, 以及心脏护理的费用.