With the exception of children younger than 19 and adults who are seeking group health coverage, people with pre-existing health conditions can still be denied for private medical insurance. The eligibility criteria varies according to each insurance company, but basically, underwriters are looking for health issues that are recurring, chronic, or severe.
High risk medical conditions commonly result in ineligibility for private health care. Other issues that could potentially result in non-approval would be behavioral disabilities, a worker’s comp injury where the claim is still open, and being an expectant mother or father. Other situations where a person could be denied would be silicone breast implants, being at an unhealthy weight for your height, heavy or frequent alcohol or tobacco use, taking illegal drugs, or having a prescribed medical procedure or treatment that has not been taken care of. Read more »
Posted: March 23rd, 2011 under Pre-existing Conditions.