Bone Spurs

The medical condition known as bone spurs is one which a good deal of people experience during their life. For those of you who are trying to obtain health insurance, the presence of bone spurs at the time of the application process may be of such significance to the insurer that they imply restrictions on the coverage. However, you must keep in mind that the presence of such a disorder is not one in and of itself which will deny complete coverage to the applicant even though restrictions may be applied to the insurance policy. If you have more questions about this medical condition, we'll do our best to answer them for you below:

• What are bone spurs?
• What challenges will I face when looking for health insurance if I have bone spurs?
• What kind of coverage can I get if I have bone spurs?

What Are Bone Spurs?

Bone spurs are defined as bony growths which form on bone that is normal. Bone spurs do not always cause problems for individuals but may do so if they rub against other bones which will cause erosion and pain while doing so. Bone spurs can occur in a variety of places throughout the body but are typically seen in areas such as the knees, feet, hips, spine, shoulders and hands. The usual cause of bone spurs is when bone tries to repair itself and can often be seen in individuals who are of an older age group.

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Challenges Obtaining Insurance With Bone Spurs

Although bone spurs is a condition which does not always require constant medical attention, they are of such a nature in which if they do not currently require treatment they may need it down the road. This tends to frighten insurers who feel that the claims which they could see in the long run from you if indeed you have this condition could be weighty in nature. Therefore, some insurance companies will list pre-existing bone spurs as a reason to increase the premium quote, delay coverage or deny coverage altogether.

Bone Spurs: Health Insurance Options

With insurance companies who place pre-existing bone spurs on a separate list with regard to coverage, these companies may find that offering coverage to those plagued with such a condition may not benefit them to do so. Although this may be the case with some insurers, it is not a blanket statement with regard to all health insurance companies. Many insurers will make health insurance available to you even with pre-existing bone spurs yet may in fact place certain restrictions on you such as undergo a certain waiting period or pay a higher deductible for treatment relating to such a condition.

If you or a family member has tried to obtain insurance through various insurance companies and have been denied by all or faced an exorbitant annual premium quote, you may wish to pursue other options with regard to coverage. There are specialty insurance companies which will cover pre-existing injuries and conditions such as bone spurs along with general coverage yet apply an extra cost to the bone spur treatment yet be of such a nature that it is reasonable for the insured. In addition, many states offer high risk insurance pools which will cover pre-existing conditions such as bone spurs and this too is an option for you and your family members to consider if bone spurs are an issue.

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