It's not really the first place you think of, but associations and unions often times offer insurance, or discount prescription plan to members.
Keep in mind, this means you have to pay the association fee to join, and then actual insurance premium. But this is just another way you can gain insurance, even if you've been rejected by private companies.
Some associations have stringent membership requirements, while others let you in upon membership fee. Word of caution, however, always thoroughly research the association and the insurance.
Some associations with benefits include:
AARP MembeRX Choice (prescription only)
http://www.aarppharmacy.com/AARPnet/mc/mcdefault.aspx
Members of AARP pay $19.95 per year for a prescription drug discount program. They claim you'll save up to 53% off. You only need to be 40 to take advantage of this!
American Society of Journalists and Authors
http://www.asja.org/
Federation of American Consumers and Travelers
http://www.fact-org.org/
FACT offers health insurance, dental, or a prescription RX plan. You pay only $36 for the year to join and the first 30 days are free.
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.
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.
Nice Shoes!
Do you know someone who never misses a new DVD release at Blockbuster? What about the fashion diva who buys designer purses and shoes just for the sake of buying them. Or the person who goes out four days a week and spends beyond their means. Do you know these people, and are they uninsured?
Yes, many people can't afford insurance, but I wonder how many just don't make it a priority. If you know someone like this, do them a favor and point it out. Tell that being uninsured and sick does horrible things to your social life!
Yes, many people can't afford insurance, but I wonder how many just don't make it a priority. If you know someone like this, do them a favor and point it out. Tell that being uninsured and sick does horrible things to your social life!
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