Tuesday, May 1, 2012

How likely is that a person's health insurance will be canceled if they get a serious illness

How likely is that a person's health insurance will be canceled if they get a serious illness?
I know that health insurance companies have employees whose job it is to find reasons for canceling patients after they have been diagnosed with expensive illnesses.

How common is that such patients are actually dropped? They have people who look through your records and who retroactively cancell you if they find a "pre-existing condition" that you dodn't even know about. TXDiver: you good good advice, but insurance policies are writtenso that most people can't understand them and most people can't afford to hire an attorney.
Other - Health - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
They can't cancel your insurance unless you don't pay. Once you don't pay they cancel it and don't take you back. That's when the problem start since no other company will take you either.
2 :
No, it is a violation of LAW to do so. They can however be very manipulative and difficult to work with sometimes if a big ticket illness is experienced. You sometimes have to remind them that the legal profession has some astute professionals called LAWYERS. When it comes to insurance companies a lawyer will usually take the case on contingency if its strong. If you are on a personal policy they really have you over a barrel... but.. if you are on a group policy they are less able to do things.. including stopping you from being covered for Pre-existing.. group policies almost always have that clause.. Meaning they cant refuse coverage under group policies. They just get your company during the next years negotiations for more cash.
3 :
TC, Despite the rhetoric spewing from the Democrats, it is actually very rare. No, if you do come down with, say, breast cancer, they will review your application to see if you knowingly failed to disclose anything. If you don't lie, and you pay your premiums on time, you cannot be denied coverage. Insurance companies are in the business of "Making money" so naturally they resist paying money out whenever they can. You must learn to read your policies, and fight for everything that is written there, even if you have to sue them to get it.
4 :
You can easily check your minimal health care rates in internet, for example here - health-quotes.talk4fun.net

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