Reply With QuoteCardinal--look into a Health Savings Account (HSA) with a High Deductible Health Plan (HDHP)--if you're in good health and would rarely use your health insurance, this is the way to go, IMHO. Especially if insurance companies are giving you shit they'll probably put you on a higher deductible anyway. If you have any questions about these, I'll answer as best I can, but just run a general search for HSA's and you should be able to find companies in your state that provide them and answer any questions. Personally, I'm 26 and healthy: I pay less than $100 a month in premiums for my HDHP where the quote for a "normal" insurance plan premiums was over $300 a month. Just a thought.
Obtaining Health Insurance Coverage
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03-17-2005, 02:20 PM #1Registered User
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Obtaining Health Insurance Coverage
Until last November my health insurance has been covered by my father's employer (insured by BC/BS of Texas) at which point I it ran out and I had to get my own policy. After a long series of delays, I just found out BC/BS denied me coverage entirely.
The reasons they state are:
1) Stomach ache from June 2003 to September 2004 with no diagnosis and no cause determined, as communicated during telephone interview. This is basically IBS-like symptoms though I was never diagnosed with it. Now it causes me only mild discomfort and is no reason to deny coverage. A harmless and simple digestive problem.
2) Chest pain in May 2002 with no diagnosis and no cause determined, as communicated during the telephone interview. For all anyone knows this could have been heartburn. EKG came back normal and they sent me home from the emergency room never expecting to hear from me again. This caused me no further trouble.
3) Myofascial pain from September 2003 to June 2004 with not diagnosis determined, as communicated during the telephone interview. Although nothing ever showed up on testing, this is basically an omohyoid muscle injury that has left me with mild to moderate facial pain. Again nothing to deny coverage over.
So what gives? For those that have successfully obtained coverage, what did I do wrong here and what would you suggest so that a normal 25 year old healthy male might obtain coverage? What companies would you recommend and what strategy should be used?
TIA for all the help. I am normally very calm, but I found this quite surprising given my physical condition. If they even looked at my latest blood work sample, I appear about as healthy as can be. Risk for heart disease based on cholesterol reading might as well have been negative. How in the hell could a 65 year old ever get coverage, lol.
-Cardinal
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03-17-2005, 03:26 PM #2Registered User
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“Speaking generally, All parts of the body which have a function, if used in moderation and exercised in labors to which each is accustomed, become healthy and well developed and age slowly. But, if unused and left idle, they come liable to disease, defective in growth and age quickly.”-- 370B.C. Hypocrites
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03-17-2005, 10:17 PM #3Registered User
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Thank you for the info Kimber. Right now I am a full-time student. I am not sure if I can benefit from the HSA account or not right now. But it does make sense for me to choose a high deductible plan.
I found ehealthinsurance.com. They seem to offer a lot of random quotes. Right now I am trying to make some sense of it all. The plans under 100/month do look rather appealing and they do have some hsa options as well. Thanks for letting me know about that as it was something I was not familiar with.
-Cardinal
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03-18-2005, 11:47 AM #4Registered User
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I think what I may do is take action to dispute the claim, since I believe it is unjustified. I am going to try and get it off of my insurance record so that when I do apply with another company, this won't get in the way of proper coverage. I am getting in touch with an insurance agent I know now...
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