Denied Health Insurance – Don’t Let it Happen To You!
Have you been denied health insurance coverage? Fortunately, you are not out of options yet because there are several points to consider. Before you begin seeking other options, you should realize that there is no set national policy for how medical insurance is regulated. Everything is mandated state by state, so if you are denied health insurance, the first thing to do is find information about the specific state in which you reside. Do not be afraid to ask questions to your doctor and health insurance agents. The odds that your situation is new are extremely slim.
Talk to the health insurance provider to see why they rejected your application for insurance. Generally, the insurance carrier will tell you why you were denied health insurance. If it is something you can fix, such as being overweight then work on correcting the issue. However, if its due to a pre-existing condition, then you will need to take other action. Ask the insurance company if they will insure you based on a contingency, such as a waiting period before they cover the medical bills for your condition.
The people who can most easily afford health insurance are those in pristine health who really only have a policy to cover catastrophic accidents. This does not describe you and your current medical condition, so this is the time to get used to the idea of paying more for medical insurance from now on. Something important that you must understand before going any further is that because of pre-existing conditions leading to the fact that you were denied health insurance, you will need to pay a higher premium no matter where you look now.
Other conditions are outside of your control, such as diagnosed mental conditions that may be with you for the rest of your life. In this case, you may need to get creative when it comes to finding coverage after you have previously been denied health insurance. Some pre-existing conditions can be improved with some effort on your part. This includes conditions of high blood pressure, high cholesterol, and obesity. If you bring your blood pressure or cholesterol levels down and lose weight, your premium could be decreased if you alert your health insurance company to the changes you have made.
Ask around to friends, family and community members. You may be surprised to learn that your church or other organization you associate with has insurance options willing to cover you. Certain states have laws that prevent you from being denied medical insurance, so be sure to find out if the state you live in has such laws. If after all your research you are still left without a policy, you may have the chance to be covered by a high-risk insurance pool. 35 states currently provide this option to people who have been denied medical insurance.
Sean L Johnson is a journalist for Health Insurance Buyer a referral service that connects consumers to the insurance carriers that can best fit their wants or special needs. Click on link to access Get Approved Now even if diagnosed with a pre-existing condition