It is important for people with congenital heart defects to maintain health insurance, because regular medical checkups and medicines are often needed.
People with heart defects may have problems qualifying for health insurance. Many companies restrict or deny coverage for new clients with preexisting heart conditions.
Depending on the circumstances, some adults with congenital heart defects may only be able to get health insurance through an individual plan. Although many adults have some form of group coverage through their employers, they may be placed in a high-risk category and have to pay higher premiums than other people. Be sure to investigate all your options thoroughly. Laws that govern these types of health insurance issues and policies change often.
In the United States, children with congenital heart defects may qualify for public health insurance programs. These programs vary depending on the state in which you live, but they may include Medicaid, Title V, or the Children with Special Health Care Needs (CSHCN) program.
Credits
| Author | Robin Parks, MS |
| Editor | Kathleen M. Ariss, MS |
| Associate Editor | Pat Truman |
| Primary Medical Reviewer | Michael J. Sexton, MD - Pediatrics |
| Specialist Medical Reviewer | Larry A. Latson, MD - Pediatric Cardiology |
| Last Updated | October 25, 2007 |
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