Health care can be very expensive these days, and getting health insurance has become a potential solution to this problem. However, as anyone who has ever applied for health insurance knows, it is not as simple as filling out some forms. In some cases, people can be denied coverage altogether. What follows is an overview of the process of application for health insurance, how you can be denied, and in case you are, the possible courses of action.
Before receiving health insurance coverage, insurance policy providers will have you undergo a screening to determine how risky a client you are. Part of this screening involves a physical examination during which you may be made to undergo tests for various forms of cancer, sexually transmitted diseases and other disorders. This screening will also look into your family’s medical history. You may not have cancer right now, but if your family?s medical history shows that your family is predisposed to it, then you are at risk of acquiring it in the future.
Reasons for rejection
If you present a case to the policy provider which is extremely risky, chances are you will either be asked to pay an extremely high monthly premium, or be denied coverage outright. If your family medical history shows that your father’s line is particularly susceptible to testicular cancer, rejection can potentially occur. Even if your family’s medical history is clear, you can still be denied if your profession is particularly hazardous. If you are a firefighter who would prefer individual health insurance, you may have some difficulty in getting it.
Ask your employer about health insurance coverage for your company. Most companies choose to give a group health insurance package for all its employees called group insurance coverage. This can be the remedy to your problems if you think you will not be considered eligible for individual health insurance.
by Kent Pinkerton