I’ve been denied health insurance due to preexisting conditions. What are my options?
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Asked May 7, 2012
Being rejected for health insurance by one company does not mean you cannot get coverage. You will have to apply to other companies until you find a coverage plan that will accept you with preexisting conditions. Many group plans accept preexisting conditions, and more are doing so every day. It may require shopping around to find a plan that fits your needs without excluding your conditions, but the process is not as hard as you might think.
Contact your state's Department of Insurance. Explain your situation and ask about insurance companies that sell guaranteed issue health insurance. You should also ask about PCIP, Preexisting Condition Insurance Plans, a type of insurance designed especially for conditions that exclude them from coverage elsewhere. The PCIP program is only available to someone who cannot get conventional health coverage, suffers from some preexisting condition, and has been without health insurance for a minimum of 6 months. Since they are administered on the state and federal level, the Department of Insurance is the best source for information in your area.
Take heart, though, that more and more group health plans are accepting preexisting conditions, and by 2014 they will all be required to do so. Under the Affordable Healthcare Act, group health insurance must accept conditions, or allowing adding dependents who have preexisting conditions to a current policy. The intention is to make health care possible for millions of Americans who have been denied coverage in the past.
Guaranteed issue insurance is available online, and can be compared with multiple health insurance quotes the same way traditional health insurance is done. This will allow you to compare the rates and policies of multiple companies, narrowing down the choices of companies available.
Answered May 7, 2012 by Anonymous