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Medical Insurance for Ulcerative Colitis

A brief overview...
  • Ulcerative colitis is an inflammatory disease that specifically affects the digestive tract
  • Insurance plans cannot raise your rates or refuse to cover you because you have been diagnosed with ulcerative colitis
  • Benefits will vary from plan to plan, but most of your ulcerative colitis treatments will be covered due to requirements outlined in the Affordable Care Act
  • Medicare, Medicaid, and the Children’s Health Insurance Program are all required to cover pre-existing conditions including ulcerative colitis

Ulcerative colitis is a type of inflammatory bowel disease that can cause painful sores in the large intestine and the rectum. Symptoms of ulcerative colitis are unusual diarrhea, bleeding from the rectum, unexplained weight loss, difficulty passing stool, stomach pain, and cramps.

Symptoms can vary depending on several factors. Most people experience periods of remission followed by a flare-up. There are different types of ulcerative colitis, and they are characterized based on severity. The cause of this disorder is unknown, but age, ethnicity, and family history are risk factors.

Currently, there is no cure for ulcerative colitis, but some treatments can help reduce symptoms. Doctors usually test for ulcerative colitis with a physical exam, lab test, stool sample, and a colonoscopy, in some cases.

Health insurance is particularly important for people with ulcerative colitis because they can require regular medical help. Complications associated with this disorder can be life-threatening in some cases, so it is a good idea to see a doctor if you are experiencing these symptoms.

We can help you find a medical insurance plan that covers ulcerative colitis tests and treatment! Enter your zip code above to get free quotes right now!

Will my ulcerative colitis diagnosis affect my ability to enroll in a medical insurance plan?

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An insurance plan cannot deny you coverage due to a pre-existing condition such as ulcerative colitis. You cannot be charged a higher premium, and your plan cannot drop you arbitrarily or because you were recently diagnosed with ulcerative colitis.

Insurance companies can only determine your premium rates based on your age, where you live, your smoking status, the type of plan you purchase, and how many family members are covered under the plan.

If you have a grandfathered health insurance plan, you might have more difficulty obtaining ulcerative colitis coverage.

Grandfathered plans existed prior to March 2010, and are not required to comply with many of the Affordable Care Act regulations. They do not have to cover many pre-existing conditions, and they can raise your rates based on health status. Additionally, grandfathered health insurance plans do not have to cover the essential health benefits.

You can choose to purchase a Marketplace plan if you are not getting the coverage you need from your current grandfathered health insurance plan. You can apply during the open enrollment period between November and January. You are also eligible for a special enrollment period if your grandfathered plan ends outside of the open enrollment time period.

If your grandfathered plan ends outside of the open enrollment period, you will be eligible to get health insurance under a special enrollment period.

Is ulcerative colitis treatment included in the essential health benefits?

The essential health benefits are covered by all plans that are compliant with the Affordable Care Act. Although the complete list of benefits will still vary depending on the type of plan you have, most ulcerative colitis treatment will be covered under the essential health categories.

Chronic disease management is covered under preventive health services and most medically necessary blood tests and stool samples will be covered under laboratory services.

Can I enroll in Medicaid or the Children’s Health Insurance Program if I have ulcerative colitis?

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Many people with pre-existing conditions, such as ulcerative colitis, worry about their ability to afford health insurance. If this a concern for you, you should apply for Medicaid. Medicaid is required to cover the same list of benefits as most Marketplace plans at little to no cost.

If your child was diagnosed with ulcerative colitis and is not currently covered by an insurance plan due to cost, you should see if they are eligible for the Children’s Health Insurance Program.

Some states require you to pay a small monthly premium for the Children’s Health Insurance Program.

There are two ways to can apply for Medicaid and CHIP. You can either submit an application through the Marketplace who will notify you and your local agency if you are eligible for coverage or you can talk to a representative directly.

Medical Insurance for Ulcerative Colitis

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If you have ulcerative colitis, there are several health insurance options available to you. You will not be denied coverage based on your pre-existing condition due to the Affordable Care Act regulations. Most lab services and visits to the doctor’s office for ulcerative colitis treatment will be covered under one of the essential health benefits categories.

Find medical coverage for your needs by entering your zip code below!

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