Do you know what medical conditions can mean an automatic decline for non-group health insurance in the US?
Most people think of people who are overweight or longtime smokers as being people who will be declined if they try to buy health insurance on their own. But did you know that having a history of any of the following conditions can mean an automatic decline from insurance companies?
severe acne,
alzheimer's disease,
aneurysms,
rheumatoid arthritis,
asperger's syndrome,
asthma,
attention deficit disorder,
autism,
benign brain cysts,
benign breast cysts,
benign ovarian cysts,
cerebral palsy,
cleft lip or palate,
congenital heart defects,
type 1 diabetes,
down's syndrome,
epilepsy,
gastric bypass surgery,
hemophelia,
infertility (if you have attempted in-vitro in the past five years),
leukemia,
lou gehrig's disease,
macular degeneration,
multiple sclerosis,
muscular dystrophy,
any organ transplant surgery,
parkinson's disease,
pneumonia (if more than once in a lifetime),
miscarriage (within the last 5 years),
schizophrenia or bi-polar disorder.
Are you aware of any others?
The sad part is these are the automatic decline illnesses. If you've had them, they automatically decline coverage. It's not as if they refuse to cover everything except this. They just don't want to cover anyone at all.
- Rounder
death will get you denied, too
- brian g
Also, if you've ever sneezed. If you are thinking of buying a private plan, be very aware of the underwriting. Most plans will make you pay for any expense up front and then only get reimbursed a certain percentage (which is usually less than 50%). Yes, you guesssed it!! If you need $ 100,000 surgery, you better have a lot of equity in your house because they will make you front all of it.
- Dawson Lives
If you've had any disease or illness, it is considered preexisting. You have to go without treatment for 3 years before they will cover it. The biggies are Cancer, HIV/AIDS and any other potential life threatening illness that the insurance companies may have to pay some money for. But after all. we don't want that money wasted on caring for the sick. Much better if it goes to the top Executives and CEO's.
Leukemia — Comprehensive overview covers symptoms, causes, risk factors, treatment of this blood-related cancer.
Orignal From: Do you know what medical conditions can mean an automatic decline for non-group health insurance in the US?
No comments:
Post a Comment