What to do if you have been denied health coverage?
If you live without health insurance, you are not alone. As stated by the UHF (United Health Foundation), about 15.9 percent of all Americans do not have insurance. Unfortunately, even in situations when people struggle to be financially and socially responsible, they find that they are not eligible for health insurance.
According to research from the US Census Bureau, nearly 60% of the population receives health insurance in the form of group plans through their employer. There are other people who are insured by government-sponsored health services, such as children, the elderly, and low-income people. However, until recently, those outside these groups were largely at the mercy of for-profit insurance policies when it came to getting coverage.
If initially rejected, ask again or ask the other insurer.
If you find yourself in this group that has difficulty getting coverage, what you should do is try to find out what happened. In some cases it may be rejected due to an error on the part of the company. If the reasons for your rejection were minor, you can also get individual coverage through another agency. However, if you have a pre-existing condition such as cancer or diabetes, it is unlikely that any insurance company will consider a good risk and have to look for other options.
Indicate high-risk health insurance groups as an option.
It is for this reason that a high risk Health Insurance 2020 fund will be established nationwide within 90 days after the passage of the Health Care Reform Act of March 2010 for people with existing medical conditions. The fund is backed by federal grants of approximately $ 5 billion and will provide a reduced cost for people who have not had insurance for a minimum of six months and medical problems that have resulted in the rejection of other insurance options. In some cases, these risk groups will be executed by state governments. In any case, the law says these deposits will remain available until new health care reforms take effect in 2014.
Prior to this legislation, high-risk groups were already available in 34 states and covered 183,000 citizens. From the perspective of someone who wants a policy, the important thing to note is that the quality of coverage offered can vary greatly depending on the attitude and policies of the state that offers it. Some states are just more generous than others in programs like this, and if you think you’ll probably need to use your health policy regularly, it’s worth taking a look at the type of coverage your state offers. Remember also that even if you are already paying premiums higher than a typical insurance plan, you still have to make sure you have enough money to cover deductibles and co-payments, or medical care will be as unattainable as before. In extreme cases, if you think the high risk group in your state is a totally unacceptable option, you still have options, but none of them is easy.