President, Streets Insurance Agency, 1234 Rhododendron Dr (POB 7000), Florence, OR 97439
I suppose if that were to happen in 2014 you would contact your department of insurance and file a complaint. The ACA does not allow people to be denied health insurance coverage. it would be very unique and unusual for an insurance company to violate such a clear and well publisised law. But, if you happen to find yourself in that situation, I guess my advise is to file a complaint. ... Or maybe call the company and ask if that just landed in the USA and don't understand the new rules!
Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
Under the new Affordable Care Act, you cannot be declined for health insurance for any pre-existing condition or other health-related illness. In short, individual health insurance plans are guaranteed-issue in today's marketplace.
If your application was rejected, there may have been information in error and it needs to be re-submitted - your insurance agent/broker should be able to look into this for you.
I would suggest contacting your insurance agent or the carrier directly to find out why you were declined for coverage before filing any complaints or other actions. It may end up being something as a simple error that is easily correctable.
Owner, Best Health And Car Insurance Rates - Instant Online Quotes, US
You can still be turned down for health insurance and it happens each day. There are many non-Exchange plans that are offered by major insurers that are medically-underwritten.
For example, short-term (temporary) medical coverage is available fro many large reputable carriers. UnitedHealthcare markets this type of plan under "Golden Rule." It's a very popular and cheap health insurance plan that can be purchased for up to 6-12 months.
Although there are only a few medical questions, you can be denied coverage if you have been treated for a major illness (cancer, heart disease, diabetes etc...) or you have previously been turned down for coverage.
If this happens to you, don't miss the next Open Enrollment which allows you to apply with a subsidy that could lower your rate. Limited-Benefit plans are also a less-popular option.
As an experienced broker (33 years), our job is to provide accurate information and the lowest available rates.
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If your application was rejected, there may have been information in error and it needs to be re-submitted - your insurance agent/broker should be able to look into this for you.
I would suggest contacting your insurance agent or the carrier directly to find out why you were declined for coverage before filing any complaints or other actions. It may end up being something as a simple error that is easily correctable.
For example, short-term (temporary) medical coverage is available fro many large reputable carriers. UnitedHealthcare markets this type of plan under "Golden Rule." It's a very popular and cheap health insurance plan that can be purchased for up to 6-12 months.
Although there are only a few medical questions, you can be denied coverage if you have been treated for a major illness (cancer, heart disease, diabetes etc...) or you have previously been turned down for coverage.
If this happens to you, don't miss the next Open Enrollment which allows you to apply with a subsidy that could lower your rate. Limited-Benefit plans are also a less-popular option.
As an experienced broker (33 years), our job is to provide accurate information and the lowest available rates.