I have a health insurance question, seemed like the better board to ask on

I am not sure what the cardiologist put on his report, but they are denying me based on that. I have a certificate of credible coverage with a 5/31 end date. Coventry will insure the rest of my family with in the 63 day window, but Denied me.

My condition
was similar to vertigo. No medicines or no follow ups or symptoms since last year

You can absolutely be denied for individual health ins due to medical impairments until October 1.

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Is this what the affordable care act is going to prevent

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I have yet to see any truth come out of the ACA that was spewed out by the Demadont's when they swept the legislation through just to see what was in it. I wouldn't get your hopes up.

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Also, if you have proof of credible coverage within the pass 63 days you cannot legally be denied insurance coverage, regardless of any and all medical conditions. When did coverage end on your previous EGHP?

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Negative, what you are saying only applies to group policies not individual ones, and they will rate the shite out of the group with a high risk member.

As obamacare trickles in things will change, just be ready to pay for the change ........and everybody else

Caps have been removed.

Kids covered through age 25.

Preventative care.


There is a flyer published by Kaiser Family Foundation #8429 at the KFF website.



Have you been sleeping through this?

Try a 3rd company? That stinks ... rejected for an issue that is no longer an issue???

eta: Humana and Aetna might be possibilities ... good luck.

Maybe call them up and getting a letter from the cardiologist stating it isn't a pre-existing condition and that it's resolved.

This is my fear. Going to a company that doesn't provide group plan. I don't have a dangerous condition at all that should alter my life span or medical bills more than any other person, but I visited a cardiologist for weird palpitations and was diagnosed with benign PVCs. Insurance companies still shite a brick though and either quote me something ridiculously high or flat out reject me because I saw a doctor.

So, what's the lesson here? Don't go to the fricking doctor, apparently.

I'm far from liberal, but the hardcore conservatives who stick their head in the sand and say coverage is available to people are full of fricking shite. I have no dangerous condition and yet can't get an individual plan, thus being stuck with the same employer and praying nothing ever happens.