| Health insurance has been one of the most important | | | | contains stipulations that would ban insurance |
| topics in American politics for decades. Many attempts | | | | companies from denying coverage due to pre-existing |
| have been made over the years to reform healthcare, | | | | conditions. Although it has apparently proven a useful |
| including the ongoing (as of late 2009) Obama | | | | strategy for insurance companies, many Democrats |
| administration healthcare debate. Of the many issues | | | | and Republicans as well criticize it as a cold-shouldered |
| of importance in the healthcare debate, the concept of | | | | way of prioritizing profits over human suffering. |
| a "pre-existing condition" has proven especially | | | | Whether or not the reality of the situation is that |
| troublesome. | | | | dramatic depends on interpretation, but safe to say it |
| In the insurance industry, it has been common practice | | | | has sparked a lot of debate. |
| for some time to deny healthcare coverage to people | | | | Of the people denied coverage due to pre-existing |
| who already have a documented medical condition. | | | | conditions, people who suffer from mental health |
| From a business perspective, this is a way for | | | | problems are especially at risk. Ongoing medicinal |
| insurance companies to reduce the financial risk they | | | | treatment is one of the primary ways of combating |
| incur when they offer an insurance policy to someone. | | | | mental illness, and affordable access to prescription |
| Since the company is shouldering much of the cost of | | | | medicine can make all the difference between |
| medical treatment, they see patients who have | | | | someone living a normal, healthy life and their condition |
| ongoing, recurring treatment needs as a liability. | | | | taking control and destroying their lives. |
| This practice is highly controversial and draws much | | | | The homeless are disproportionately mentally ill. The |
| criticism. Some people support it because it purportedly | | | | effects of some mental illnesses can be so severe |
| provides a greater degree of financial security to | | | | that holding down a steady job without regular |
| insurance companies. Should the insurance companies | | | | treatment can be nearly impossible. If these people are |
| suffer greater losses by allowing these people, they | | | | unable to receive the care they need, they can |
| argue, they'll have to charge more for policies to make | | | | sometimes find themselves in situations they are |
| up the difference. | | | | incapable of escaping. |
| One of the primary criticisms of denying coverage to | | | | But this need not be the case. By working with the |
| people with pre-existing conditions is that it excludes | | | | experienced agents at Option One insurance, you can |
| many of the people who need insurance the most. | | | | learn more about your Texas health insurance options. |
| Anyone who has to suffer from a life-altering condition | | | | With their assistance, you can find the plan that is right |
| is already under a burden, both personally and | | | | for you. Insurance can be costly, but with a little |
| financially. If someone with such a condition loses | | | | research you can find a plan that's affordable and has |
| insurance coverage for more than about two months, | | | | the coverage you need. Get in touch with the Texas |
| many insurance companies will deny them coverage | | | | health insurance experts at Option One today to learn |
| outright, leaving them in the cold. | | | | more. |
| As of October 2009, the leading healthcare reform bill | | | | |