I be decline for medical insurance. Why?
I'm 54 and in good robustness. Last year about this time I applied for a medical insurance policy outside of my employment. I applied with Blue Shield. I currently pilfer medication for high cholesterol, the lowest dosage possible for borderline high blood pressure, and I've be on levothyroxin for hypothyroidism for about 20 years. I'm with like doctor as last year and my blood work this year was fantastic! (Below 200 cholesterol, blood pressure middle-of-the-road, triglycerides normal, etc) Last year I was approved near this company and yes they had requested my medical records. I chose not to adopt it last year because I went near my husband's employer's plan instead. This year I applied with the same company and I purely found out I was denied. What is the logic? Is there anything I can do give or take a few the denial and if there isn't what can I do to look more favorable in the adjectives. (Yes, I'm about 30 lbs overweight, the same amount I be last year.) Thanks for your help.)
Answers:
I own blue cross........................I believe you must wait before you are covered for pre existing comditions.........bet 6 months and a year..................
Unless there was some big-hearted of change the only other item I can think is with your medical history in that is an age cut-off...otherwise their policy has changed.
it might be your health.. catch a check up and try it again.
try medicare or medicade or go to spanking new york city and stay with a relative if you have one and you will definately achieve approve for coverage i can garentee it the state of new york has the best strength care and coverage for people of adjectives ages. good luck hope it helps!
Large corporations often "self-fund" their form insurance plans. Your employer pays the medical claims and is, in essence, your medical insurer. It hires an outside health insurer to administer the plan. Self-funded plans are regulated differently than an HMO or a primary medical plan run by an insurance company. They are not regulated by the state, which gives members of such plans smaller quantity leverage. If you've exhausted internal appeals, you'll have to seek the serve of the federal government. Specifically, you'll need to contact the Department of Labor's Pension and Welfare Benefits Administration, or PWBA. The PWBA can be reach at (866) 275-7922. If the PWBA can't help you, your only other officially recognized recourse is to sue your employer. That probably isn't the smartest career move to make.
Another alternative is to seize help from the state. While your state's health insurance regulatory body doesn't enjoy any legal authority over your health plan, a tolerant advocate there may know how to advise and coach you on how to proceed.
Other links to help you near your health insurnce denial below. Source(s): http://www.bankrate.com/brm/news/insuran… ,
https://www.insurancedesk.com/ ,
http://sweathelp.org/English/PFF_Insuran…
http://www.insurancebudget.com/articles/… ,
http://medical-insurance.info-instantly.…
form insurance companies actually try all they can NOT to adopt you. And if you do get accepted, they try even harder not to enjoy to shell any money out for your medical needs. It's really sad, but true within most places. You could move to Canada or somewhere where they have free healthcare. Or lift a trip to Cuba (they have free healthcare too and they're infant mortality rate is lower that the US's!)
You can try to appeal the decree, but it probably won't happen. The logic is you're a year older and a year closer to requiring more medical thought while being insured by them. It's not what you wanted to hear, and I'm not one mean! (um, I'm in matching category!) If you can lose the weight and get sour the cholesteral medication entirely, that would be great--for both you and your prospective insurer!
You're 54, you're overweight, and you have pre-existing conditions with expensive conservation medications. ANY ONE OF THOSE is a reason to decline.
The desperate truth is, you're NOT going to get any younger. I think you're stuck next to your current health insurance provider until you're 65 and eligible for Medicare. Source(s): agent, 21+ years
Related Questions:
Answers:
I own blue cross........................I believe you must wait before you are covered for pre existing comditions.........bet 6 months and a year..................
Unless there was some big-hearted of change the only other item I can think is with your medical history in that is an age cut-off...otherwise their policy has changed.
it might be your health.. catch a check up and try it again.
try medicare or medicade or go to spanking new york city and stay with a relative if you have one and you will definately achieve approve for coverage i can garentee it the state of new york has the best strength care and coverage for people of adjectives ages. good luck hope it helps!
Large corporations often "self-fund" their form insurance plans. Your employer pays the medical claims and is, in essence, your medical insurer. It hires an outside health insurer to administer the plan. Self-funded plans are regulated differently than an HMO or a primary medical plan run by an insurance company. They are not regulated by the state, which gives members of such plans smaller quantity leverage. If you've exhausted internal appeals, you'll have to seek the serve of the federal government. Specifically, you'll need to contact the Department of Labor's Pension and Welfare Benefits Administration, or PWBA. The PWBA can be reach at (866) 275-7922. If the PWBA can't help you, your only other officially recognized recourse is to sue your employer. That probably isn't the smartest career move to make.
Another alternative is to seize help from the state. While your state's health insurance regulatory body doesn't enjoy any legal authority over your health plan, a tolerant advocate there may know how to advise and coach you on how to proceed.
Other links to help you near your health insurnce denial below. Source(s): http://www.bankrate.com/brm/news/insuran… ,
https://www.insurancedesk.com/ ,
http://sweathelp.org/English/PFF_Insuran…
http://www.insurancebudget.com/articles/… ,
http://medical-insurance.info-instantly.…
form insurance companies actually try all they can NOT to adopt you. And if you do get accepted, they try even harder not to enjoy to shell any money out for your medical needs. It's really sad, but true within most places. You could move to Canada or somewhere where they have free healthcare. Or lift a trip to Cuba (they have free healthcare too and they're infant mortality rate is lower that the US's!)
You can try to appeal the decree, but it probably won't happen. The logic is you're a year older and a year closer to requiring more medical thought while being insured by them. It's not what you wanted to hear, and I'm not one mean! (um, I'm in matching category!) If you can lose the weight and get sour the cholesteral medication entirely, that would be great--for both you and your prospective insurer!
You're 54, you're overweight, and you have pre-existing conditions with expensive conservation medications. ANY ONE OF THOSE is a reason to decline.
The desperate truth is, you're NOT going to get any younger. I think you're stuck next to your current health insurance provider until you're 65 and eligible for Medicare. Source(s): agent, 21+ years
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