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Which high-risk conditions might need specified insurance?

Dr. Jeanne Morrison, PhD
Family Practitioner

Most insurance companies consider heart disease, immunodeficiency conditions, certain cancers, and neurological conditions to be high-risk. Cancers that are considered higher risk are breast, brain, liver, lung, and bone. If you have a high-risk condition, you need to make certain that you are covered by your basic plan. If your insurance coverage is through your employer, your high-risk status should not make a difference, but if you are independently insured, you may face challenges. Some companies cater to people with high-risk conditions but they may impose restrictions and higher fees. If you are not covered, you may consider purchasing a high risk insurance policy, especially if you are at higher risk from genetic predisposition or professional hazards.

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Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.