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
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