Denied Health Insurance – What You Should Do Next
September 23, 2010 | In: Health Insurance
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Sadly, being denied health insurance is a very common occurrence. If you have a pre-existing condition, are a smoker or a drinker, or you do not make enough money, it is possible that you could experience rejection from an insurance company. This is even the case for people who have very serious conditions. In fact, they are the first to be rejected despite their immediate need for coverage. But do not fret, as there are a few things you can do to remedy the situation.
First, you need to try to acquire group coverage. These are plans that are given through an employer. You will not get denied health insurance through these policies because of HIPAA legislation. The only real challenge you face is trying to find employers who offer these types of plans. With the bad economy, insurance is one of the first things to go, even for established companies.
For this reason, you may want to try to get group coverage through a minimum wage job. Even if you work at McDonalds, you will not get denied health insurance because the plan is still coming through your employer. If the pay is an issue, see if someone else can do the job. Consider an at-home housewife, or an adult child. If they are not already working, ask them if they would be willing to take such a job. The money wouldn’t be much, but at least you will get insurance. In addition, it would allow you the freedom to seek better paying jobs that may not offer healthcare coverage.
Another option could involve finding providers who do not go through an underwriting process. In this situation, you will not get denied health insurance simply because there is no screening process that you have to go through. Basically, if you have the money to pay, you will get accepted. However, be aware that if you go this route, there is a chance that you encounter a discount plan rather than a genuine health insurance policy. What is a discount plan? It lowers the overall amount you have to pay on your medical bills. So, instead of paying a $10,000 hospital bill, you may only pay $5,000. But the keyword here is pay. If you do not have a problem paying for your medical expenses with your own money, these plans could be the way to go. Otherwise, try to keep your eye on traditional health insurance policies.
If you need assistance in locating particular coverages at a pre-determined price, we can help you find a reduce health insurance premium today.
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