Denied Health Insurance – What to Do If You Are Denied

You never think about it until it happens to you. You apply for health care coverage fully expecting that you will be covered. Instead, you get a letter or an email informing you that you have been denied health insurance. There are a number of reasons why an insurance provider would deny you coverage. Possibly the top reason is because of a preexisting condition. However, other reasons, such as being overweight and even poor credit, can cause a provider to reject your application. Being denied insurance is not the end of the world. You have several recourses available to you that can help you get the insurance you need.
Talk to the health insurance provider to see why they rejected your application for insurance. Generally, the insurance carrier will tell you why you were denied health insurance. If it is something you can fix, such as being overweight then work on correcting the issue. However, if it due to a preexisting condition, then you will need to take other action. Ask the insurance company if they will insure you based on a contingency, such as a waiting period before they cover the medical bills for your condition.
Another option is to check with other health insurance providers. Each insurance company has their own guidelines when it comes to underwriting a policy. Even though one company may have rejected your application does not mean you will be denied health insurance at all of them. A good way to find out who is willing to extend coverage to you is to visit a website that allows you to get quotes from multiple insurance companies at the same time. Instead of wasting time filling out several applications, you will only have to enter information once and the insurance companies will advise you of their answer. This will save you a lot of time.
If you are still having trouble getting standard insurance from carrier, see if you will qualify under a different type of plan. There are several types of insurance plans you can sign up for including HMO, PPO, Point of Sale, Fee for Service, High Deductible Health Plans, and Catastrophic insurance. You may not get the exact coverage you need but having some coverage is better than being completely uninsured. Lastly, if you continue to be denied health insurance from private insurers, contact your local government assistance office to see if you qualify for a government funded program.
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