Thousands of people in the USA have to go through the bad experience from denied health insurance claims forcing them to pay the huge medical bills all by themselves.
The main reason is that most insurance companies either outrightly refuses to insure, or ask for exorbitant premiums from all those people who are suffering from asthma, heart problems, high blood pressure and diabetes etc. As a result, these people find themselves in great financial jams.
If you have had a bad experience from denied health insurance, you still have a few options available at your disposal. Several health insurance companies have an option that allows people to appeal the decision. Other than the appeal option, there are many other options available as well.
If you had a bad experience from denied health insurance claim, your very first option is to appeal against the decisions. For this purpose you need to research rules and laws that resulted in your claim being rejected by the competent authority. Moreover, you should have recorded for everything in case the company asks for them. If you made an appeal and even that was denied, then you can go to a broker who specializes in health insurance matters. Insurance brokers are extremely familiar with the system, and the ways of working through it.
The most desirable coverage is, of course, private health insurance. However, anyone who has been denied health insurance becomes eligible for applying to the state’s high risk health insurance program. These programs are currently only available in 34 states of the USA. There is, however, a flip side to this kind of insurance: there are certain specific conditions that are not covered by this policy.
Married couples whose partners have health insurance provided by their companies can be included in one plan or the other. Most of these health insurance plans that are sponsored by employers, do not require that you go through a medical check-up.
Anyone who has been denied health insurance needs to find a solution to his / her problem – at least temporarily. There has been an amendment in the law on March 2010 which is part of the health reform bill seeks to eliminate discrimination against people who have pre-existing health conditions. Such people are always singled out and victimized by health insurance companies. Initially, this act only covered children, however, from January 2014 onwards, it also covers adults.
The Reinsurance Program of the recent health care reform provides for creation of a subsidy for health-plan sponsors for retired people. This will cover everyone aged 55 and above.
The 2003 medical modernization also provides a similar incentive to employers. Any employer that seeks to maintain medical insurance plan for retired employees can become eligible for a notable windfall. The Reinsurance program provides great benefits to employers and industries.
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