You have a couple of options in this situation. The first would be an appeal with the insurance company that declined your application. If possible, this appeal should include a letter from your new physician, in which he describes your current state of health. Then, add your own comments, very similar to what you have done here. You should also try applying with other health insurance companies. Not all insurance companies have the same underwriting guidelines, so just because this insurance company denied your application, does not mean that they all will. Along with the new application, you will want to include an eplanation of the decline with this insurance company, as well as the letter from your new physician. The new insurance company will probably be aware of the decline by this insurance company because it may have been reported to the Medical Information Bureau and will part of your health history. All application for insurance will also ask you if you have been declined by any other insurance company, and you will need to answer that question honestly. If you are successful in your appeal, or unable to secure coverage with another insurance company, there may be options available to you under federal HIPAA regulations. All states have guaranteed issue options available to persons that are ehausting their COBRA coverage and are unable to secure Individuals. We can help you understand the options in your state, if you reply to this commentary with the state in which you reside. Also, when does your COBRA terminate? The look-back limits regarding pre-eisting medical conditions also vary from one state to the other.
Answered: May 02, 2010
