Denied Health Insurance – Why Was I Denied for Health Insurance?

Have you recently applied for coverage but been denied health insurance? This is becoming a common issue with people nowadays as most people do not understand how they could possibly be denied medical coverage at all. Everyone needs health insurance, right? Thus shouldn’t everyone be given a chance to get a policy? Sadly, this is not always the case. Here we will look over some of the reasons you may have been turned down for the coverage you need, and how you may look at overcoming the disappointment.

Unfortunately, a lot of companies have denied health insurance for people because they have pre-existing medical conditions that indicate the need for the coverage to actually be used. Insurance companies make money from people paying premiums that they never have to use in medical expenses. When a person has a pre-existing condition like cancer or asthma, an insurance company does not want to take on the burden of having to cover inevitable medical expenses. This is obviously bad for you, the patient, because if you have a pre-existing condition, you need medical insurance more than anyone else. Getting the coverage you need can be a challenge at best, but it is possible.

If you are denied health insurance, you may ask the insurance company if you could pay a higher monthly premium to get coverage. That way you are contributing more to your bills, and the insurance company still has a chance to make money. This will depend on the condition you are dealing with. Pre-existing conditions will change definition with every company, so you may be denied coverage with one company but be approved for another. Thus it is important to never lose hope and to continue applying until you find someone what will work with you.

The government can also step in and help when you are denied health insurance. There are medical programs funded by the government that are meant to help people struggling to obtain coverage on their own. These may cost you more money, but they could also be more affordable. It simply depends on what program you qualify for. Do your research ahead of time to get quotes with different insurance companies that are in fact willing to help pay for your expenses. With the right amount of diligence, you should find the perfect team of people to keep you safe and covered.

If you need assistance in locating particular coverages at a pre-determined price, we can help you save up to 50% on your health insurance monthly premium.

Sean L Johnson is a journalist for Health Insurance Buyer a referral service that refers consumers to the insurance carriers that can best fit their wants and needs. Get a free Health Insurance Reduce Quote today, you can save up to 50% on your monthly premium