Thursday, October 4, 2007

Rejected by Private Insurance Companies

I guess we all just assume that we can get health insurance if we apply for a policy. Wrong. Simple things like allergies can actually send a rejection letter your way!

It's one thing not to be able to afford it, but to want it and be told "sorry"....that is equally scary.

If this has happened to you, don't panic. You have options. The first is to be clear about the reason you were rejected and then review your medical file. Are there errors in your file? There should NOT be a "diagnosis" in your file unless you were tested for it. Then either send a letter, or ask your doctor to, contesting the decision.

If they still reject you, apply with other companies. Just because one rejects you doesn't meant another one will.

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