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I know the frustration of being declined for health insurance coverage. I was limited three times for ailments that I considered minor, as they did not keep me from exercising in the gym three or four times a week, from hiking, from swimming a mile, or from working every day. In fact, the ailments never caused me to miss a day of work in my life. And now I am 67 and still doing strong!
Yet at 57 I was declared for health insurance three times. Why? Because the insurance companies considered some of my conditions as a "risk." You may feel as healthy as I felt, and are confused as to why you were declined for health insurance.
Here are some of the major reasons insurance companies decline to cover:
(1) Major chronic medical conditions such as diabetes, heart problems, epilepsy, serious asthma, cancer
(2) Multiple secondary-type conditions such as osteopenia, thyroid problems, curvature of the spinal, skin rashes, asthma, allergies
(3) Over the insurer's weight charts.
It is hard to find an insurance company to cover major pre-existing medical conditions. If you have multiple secondary conditions (which was my problem), you can often find an insurer, but they will probably put a rider on some of those conditions. As to weight, different insurers have different weight / height guidelines. So, if you are a bit on the heavy side, by looking around you may find an insurer that will provide you with coverage.
There are many three-year insurance plans that will insure everyone, no matter what your medical conditions are, but they will not provide coverage for any pre-existing conditions.
My best advice to you is to get a good insurance broker to help you shop around. Your insurance broker will help you find something suitable for you, eliminating a lot of frustration on your part.
The good news is that it does not cost you any extra to use an agent or a broker! There is no surcharge, and you would pay exactly the same price if you went directly to the company.
So how can an agent help? Usually an agent is the representative of one company. A good agent focuses on helping clients understand the insurance products of the company he represents. He also builds a personal relationship with the client, something the company can not do because of the volume of its business. If he is a good agent, his focus will be on service, and he makes an effort to be available for his clients.
A broker represents the client and not a specific company. A broker, because he has contact with many companies, can offer a wide variety of products to help his client find the best plan for his / her specific needs.
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Source by Jeffery Gulleson
