Being refused for health insurance can seem to be being a horrible thing. However, it's not the conclusion with the road and there is also possibilities. It is possible to carefully research various companies of interest for your requirements, and then try to get the most affordable plan that best suits your quality of life care needs, and don't accept anything less. Keep a clear head and confident, and don't give up until you're completely pleased with your decision.
First, attempt to determine the reason why you have been denied health insurance; it is valuable information. One likely reason would have been a medical condition that already exists. Put simply, many health insurance companies won't accept somebody that already has a preexisting condition. If you will no longer work and your COBRA is non-existent, the insurance policy may say that you no longer qualify for the identical plan. Make sure to inquire with all the representative at the insurance provider and find out the reasons you haven't been accepted, and certify which you completely understand their response.
Second, consider visiting your local department of social services and make an application for state run health insurance, for example Medicaid. Keep in mind that the requirements could be slightly different in each state. As a rule, for those who have a low income level, have children or are pregnant, receive adoption or foster care help, don't have many assets, or qualify for Supplemental Security Income, you can get Medicaid coverage. For those who have any doubts with regards to your eligibility, apply.
Third, find a coverage broker which is an independent. To acquire quotes, it is possible to head to ehealthinsurance.com and execute a quick search. There are lots of other sites out there that can help point you inside the right direction. However, it's advisable to talk to an unbiased agent if you've been previously denied.
Fourth, think about calling various insurance firms directly, and question personal medical insurance. Look for companies that you're already knowledgeable about or have a business model with. Never hesitate to inquire about questions, even if you have to turn to your bank for medical health insurance inquiries. You could be happily surprised.
Fifth, discuss your dilemma with friends and family and see should they have any ideas what to do. If the spouse is insured, determine if you're able to be added to his / her plan.
And, like a final option, consider employing a lawyer. The cost of your lawyer won't even come close to any future out-of-pocket health care costs, so that it could be well worth your time and efforts to do this. Explore a free consultation either about the phone or in person, because this will provide you with an opportunity to discuss your case.
Author Resource:
David Stutterson is an expert when it comes to term life insurance . To find out everything about full coverage dental insurance , visit his website at http://www.freelifetermquote.com/.
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