I was denied new health insurance coverage in May 2007 because of lower back pain in January 2007 for which I received physical therapy. I have had continuous health insurance coverage for more than 2 years with no history of back ailments. If I reapply again now (for coverage starting in September), am I likely to be denied again? Is there anything I can do about it? My group coverage through work is very costly, and I'd prefer to have a more affordable plan.
Other - General Health Care - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
insurance companies rule the world. there's nothing you can do. i'm sorry!
2 :
Go to Cuba. Health care companies are there to make a profit. I'm also frustrated myself. If you do an internet search for independent coverage in your area that might work. Something like Kaiser Permanante offers it. I have health ins. offered through a local hospital and my employer doesn't pay, I pick up all the premiums and it's really quite affordable and a good plan. Good luck to you!
3 :
Depending upon your state, many companies will decline if you've had any back problems in the past 5 years. Visit a local independent agent. This person can contact the underwriters for you to see if any will accept you. Some companies may accept you but put a rider on any back problems. This means they won't cover anything that has to do with or is a result of the back problems. Some companies may cover after 1 year. The agent can find out for you.
Read more discussions :
- Do you know the difference between Health Care and...
- How do I find out if my health insurance will cove...
- How do I get health insurance for my dog
- How does the new health care reform bill being pas...
- What are some affordable Health Insurance Options ...
- What is the best health insurance after separation...
- How do I get health insurance in Canada if I am no...
- What kind of health insurance should I get for my ...
