Terminal cancer patients and diabetics using insulin are probably not eligible for an individual health insurance. Sometimes when people are turned down for insurance, their questions on available coverage may be left unanswered. Do not despair, the web has most of your answers.
You may seek health insurance coverage from your state. Your state health insurance plan probably will not be as good but it beats nothing. The price will probably be less, however most state plans have only one option. The catch is you must be denied coverage by one health insurance company in your state to apply. Call your state insurance department for more information.
Another option would be a HealthCare Savings Plan. These health plans are not insurance but negotiated fee for service with participating doctors and hospitals. Advantages of such a plan include no waiting period and no exams.
If you find yourself denied for individual health insurance, you still can get coverage. If you are eligible for group health at work, by law you will not denied coverage. Otherwise you may qualify for your state health insurance plan or apply for an Alternative Health Insurance Plan
1 comment:
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