Many who suffer from a pre-existing condition find themselves unable to locate an insurance carrier willing to offer full coverage for their medical needs.  This is a common problem because many people develop a condition and then find themselves changing jobs, where a new insurance company asks for their previous medical history.

Even if you keep the same job over the years, some employers may shop around for new carriers, at which time the new company would ask for any pre-existing conditions on your application.

Because of these two possibilities, every American can consider him or herself to be underinsured, because you can’t be completely assured you’ll continue to have the same carrier throughout your lifetime.

You want to make sure you don’t see a gap in your coverage – either due to a carrier limiting your coverage or because of preset limitations put on the amount you have to spend out of your own pocket.

To avoid being underinsured yourself, make sure you ask the right questions, as previously stated, but also shop around to find a policy that includes any additional coverage you feel you may need, such as maternity. 

If you can’t find exactly what you need, find out if the carrier offers optional rider insurance, where you can pay more for specific coverage not generally included in the company’s plan.