American (Private) Ankylosing Spondalytis Health insurance costs compared to the British NHS
I'm a sufferer of Ankylosing Spondalytis, and a resident of the UK - my health care is handled by the National Health Service (NHS). Now in the UK seems to be increasing move to privatise it's health service, and there are scare stories about the UK adopting US like private healthcare scheme.
My question is do/did U.S. patients (customers) diagnosed with Ankylosing Spondalytis pay a premium, and is their health care more expensive compared to the UK - irrespective of the severity of the disease. Does Obama Care resolve any insurance inadequacies?
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At this time, if a US resident with a pre-existing condition tries to buys health insurance privately, the insurance company will likely want to do one or more of the following:
Exclude the pre-existing conditions from coverage for the duration of the policy.
Cover the pre-existing condition after a waiting period of N months where N can be anywhere from 3 to 12 or more.
Offer a policy with so large a premium that it will be out of reach of the customer.
Decline to offer a policy at all.
Things are somewhat different if the customer will be getting coverage under a group health care policy from his/her employer. As I understand it, the Affordable Care Act will eliminate #1 and #4 above (possibly #2 as well),
but I do not believe that the Act regulates the premiums that can be charged by the policies offered in the marketplaces.
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