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Q: What Happens If I Have Been Declined For Health Insurance?

2011 July 1

Being declined health insurance due to pre-existing conditions can be a very frustrating experience.  Individual health insurance plans over the years have become very strict about the health of the individuals that they will accept into their plan as new policyholders.  The first step was to make sure that you have researched the market thoroughly since one company’s decision does not always mean another will not consider your application.  Try working with an Independent Agent that represent several companies and can shop around to see if there are any options.  In some cases a condition may have a “rider” or limitation for a certain condition but a policy is still written covering other conditions.  Also, if you have worked recently for an employer that has more than 20 employees then you may be eligible for COBRA which allows you to continue your benefits after departing employment for up to 18 months (36 if disabled).  This would allow you to continue your plan with no interruption for pre-existing conditions.

With the recent passage of the new Federal  Healthcare Law there was to be the establishment of a high risk health insurance pool in all states. To qualify you have to not had health insurance for at least 6 months prior to enrolling.  Other details are slowing coming out but this may be a way to go depending on the severity of the situation.  You would need to contact the Insurance Dept. in your state to see how they are handling the administration of this new law since it is different in each state.

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