Comments on: what do you do when health insurance rejects you?

By: Tressa

Tressa — Sat, 15 May 2010 09:14:27 +0000

Michigan GA for Consumers Life Insurance Co.

What state are you in?
Try:http://www.consumerslifephp.com/

If you are looking for affordable health insurance as and individual try Consumers Life Insurance Company. They have some really nice PPO and HSA products. Each plot is designed to mimic a group plot.

They will rate you but most likely not snub your application.

By: Rick

Rick — Sat, 15 May 2010 08:34:03 +0000

Depending on your state you may not be able to obtain insurance on your own.

But, because you are loosing your benefits that were provided by your parents employers, you are eligible for COBRA for 36 months. Your parents need to discuss this option with the Human Resource department of their employer.

http://www.dol.gov/ebsa/faqs/faq_consumer_cobra.html

By: Jen D

Jen D — Sat, 15 May 2010 08:33:28 +0000

Each state has what is called “high risk” plans. They are exactly what they say…..they insure what other companies reckon are high risk. These policies can be quite expensive though. The company that your parents are with should be able to transfer you to your own policy without underwriting (you will have the same policy you are on now but it will be under your own name). I would look into the latter option before going with a high risk plot.

By: Ginger

Ginger — Sat, 15 May 2010 08:14:26 +0000

Are you applying for private health insurance or as part of a group employer’s benefit? Blue Cross is very selective on private plans, but the group coverage may exclude prior illness for a flat amount of time and cover everything else.

I would look for at least a part-time job that gives group medical like a bank, credit union or something in your field. You don’t want to go without coverage. State Farm is also selective but may offer a small term three month policy while you are hunting for a part time job that offers insurance (trail bank is one). See what insurance is available through your college if enrolled.

By: No C

No C — Sat, 15 May 2010 07:53:31 +0000

The insurance companies you have useful to see you as an increased risk. Many companies offer coverage to persons seen to be a greater risk by charging higher premiums or without events that are traceable to the condition they don’t like (according to you, your panic attacks). You don’t say whether you have useful for coverage through internet insurers but internet insurers are most interested in low risk clients. Spend a few minutes with a sound insurance agent. A sound agent will give you some bonus information and probably be able to guide you to a company which will give you the coverage you want with preimiums you can afford. Excellent luck.

By: Suzanne

Suzanne — Sat, 15 May 2010 07:41:39 +0000

Call your state insurance commissioner’s office. Some states have “high risk pools” that will cover you. (It’s not as terrible as you reckon!)

If there’s no high risk pool in your state, the commissioner’s office should be able to give you some alternatives.

Question: did you elect COBRA after your coverage under your parents’ policy finished? If not, you should look into it. (Not all employers have to offer COBRA — only those with 20 or more employees — but some states have laws that extend this continuation right to small employers.

By: esthetician

esthetician — Sat, 15 May 2010 07:13:23 +0000

Insurance companies can not rejected you, if your condition was covered under your previous policy. If you have gone without health insurance for 60 days, then they can place riders on preexisting conditions.

You will have to show them your certificate of credible coverage, after you get your new insurance, and then they will allow your panic attacks to be covered. Your parents insurance will automatically mail it to you, after you cxl coverage with them. You need to get your new insurance before the other expires. In other words, don’t wait to get the certificate before you get other insurance.

If for some reason that would fail, each state has a policy that you can buy. It can be more expensive, but there are no preexisting waivers.

By: mbrcatz17

mbrcatz17 — Sat, 15 May 2010 06:37:57 +0000

Go for a plot that doesn’t have any prescription coverage, or acknowledge a policy that will exclude all coverages for your pre-existing condition.

Alternatively, you can get a major medical policy with a high deductible.

Most people get a job, have their preexisting conditions excluded for the first 18 months, then have coverage.

If the medication “isn’t that expensive” I don’t know why you’re not willing to pay for it. If it IS expensive, well, that’s why the INSURANCE companies don’t want to pay for it.

By: pinkyismygirlfriendniluvhur

pinkyismygirlfriendniluvhur — Sat, 15 May 2010 06:35:10 +0000

get a tent

camp out on the lawn of that insurance company till they deal with it

By: hirebookkeeper

hirebookkeeper — Sat, 15 May 2010 06:16:16 +0000

Have you tried student insurance. Have you tried whatever company is most well loved in your state? For example Bue Cross and Blue Shield doesnt discriminate.