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I have been denied health insurance; what do I do?

If you are denied health insurance, the first thing you should do is check with your state’s regulations on health insurance to see if you can legally be denied coverage. The next thing you can do is check into various assistance programs that can help you secure health insurance.

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Getting denied health insurance can be scary but it does not necessarily mean that you can’t get health insurance. Health insurance pools are also now available in every state and may be your only option to buy health insurance.

Why Health Insurance Can Be Denied

Health insurance can be denied for several reasons, although some states make it illegal for health insurance to be denied. If your application for health insurance is denied you should check with your state insurance department to find out what the laws are and what options you may have.

Reasons health insurance can be denied vary, but the most common reasons are if you have a history of specific medical complaints, a pre-existing condition, or an undiagnosed ailment for which you have been to a doctor. Depending on your medical history regarding these situations, the health insurance company where you applied may consider you to be a high insurance risk and deny your application for coverage.

Yet, another health insurance company may approve your application for health insurance buy exclude certain conditions from your policy. For example, if you have a history of asthma your policy may exclude respiratory issues or other asthmatic related conditions from coverage.

Some pre-existing conditions are not allowed to be disqualified. For instance, HIPAA (Health Insurance Portability and Accountability Act) law disallows the denial of health insurance based on a pre-existing coverage provided there is no lapse in health insurance for up to 63 days. For this reason it is imperative that you always maintain health insurance.

If you are switching insurance carriers or leaving group insurance, be sure to secure another health insurance policy within 63 days of when your original health insurance policy terminated. If insurance companies can legally deny you health insurance, then you may need to find health insurance through alternative options.

Getting Health Insurance through Assistance Programs

There are several types of programs that may be able to assist you with getting health insurance. Group insurance is one way to get health insurance, but your employer may not offer it or you may be unemployed or self-employed. Sometimes you can get a type of group insurance through an association, such as one for union workers or toolmakers. Churches or other not for profit organizations are also good resources for health insurance assistance.

If you are denied health insurance coverage and you are low income, you may be able to get assistance through a state public aid program. Depending on the state where you reside, Medicaid is available for individuals, families, and children.

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Health Insurance Pools if you are Denied Coverage

Every state now has a health insurance pool for residents who are considered uninsurable by health insurance companies. Through health insurance pools, people who have pre-existing conditions or have been without health insurance for a minimum of six months may qualify for health insurance through this federally backed program.

The Patient Protection and Affordable Care Act and the Pre-Existing Condition Insurance Plan are new programs being implemented in 2010 as a part of the long term plan of the health care reform. Although 35 states had already been running their own version of public health insurance pools prior to the new legislation, now every state will have to conform and make health insurance available for people who are denied health insurance coverage in the private sector.

Although the health insurance risk pools will cost more money for the insured person than typical health insurance coverage, it gives the option of actually being able to buy health insurance to help offset medical costs. The actual costs and benefits will vary state to state.

Health risk pools are not intended for low income people. Rather, they are meant to provide an insurance option for people who can afford health insurance but are denied coverage due to a medical or genetic history. Low income people who are uninsurable can also apply for insurance through the health insurance pool if they have been denied coverage.

In the event you are denied health insurance, you should verify the reason you were denied to make sure you were not turned down in error. If you have a pre-existing condition but did not have a lapse in coverage for more than a couple of months then you may be able to secure coverage through HIPAA. You can also try to buy health insurance through various group insurance options or state assisted programs.

New laws have made it possible for the medically uninsurable to get health insurance through health insurance risk pools. If you have a pre-existing condition the cost of your premiums will most likely be higher than private insurance options.

You can get health insurance quotes for various plans by simply entering your zip code now!

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