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What Happens If I Have Been Declined for Health Insurance?

2011 July 1

Being declined health insurance due to pre-existing conditions can be a very frustrating experience. Over the years, individual health insurance plans have become very strict about the health of the individuals that they will accept into their plan as new policyholders. If you have been declined coverage, make sure that you have researched the market thoroughly – one company’s decision does not always mean another will not consider your application.  In some cases, a condition may have a “rider” or limitation for a certain condition, but a policy can still be written to cover other conditions. I If you have recently been employed at an organization with more than 20 employees, you may be eligible for COBRA, which allows you to continue your benefits after for up to 18 months (36 if disabled) after departing employment. This would allow you to continue your current plan with no interruption for pre-existing conditions.

With the recent passage of the Patient Protection and Affordable Care Act (PPACA), high-risk health insurance pools were established in every state. To qualify, you have to have been without health insurance for at least 6 months prior to enrolling Depending on the severity of the situation. this may be a way to go. The specifics of how this federal requirement is being addressed differ in each state – to learn about this option in your state, contact your state insurance department.

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