I applied with human and got denied I guess for having 2 bladder infections within 6 months, because I have no other health conditions just that. Well anyways I want to try to reapply with another , but should I wait? Will I probably get denied again? I was also thinking of not putting in on the application because its dumb to get denied for something such as that.

 

  • Zarnev 4:52 am on November 8, 2009

    Different companies have different underwriting guidelines and different companies can do different things.

    One company may deny – another may rider (which means they’ll accept you but not cover anything related to the bladder) for a period of time 1 year to permanent – another company will accept you but not cover as a pre-existing condition (6-12 months depending on state law) – while another company may accept you. Some companies may decline on one policy level or type but accept on another policy level or type. Your agent should have contacted the insurance company prior to you applying to find out what they would do. If you don’t have an agent then you are your own agent and this will happen. An agent can do a pre-screen with the insurance companies prior to you applying. There is no extra charge using an agent.

    If you don’t mention the infections the insurance company can rescind the policy in the future and make you pay back everything they’ve paid out for you. This is bad if you get very sick and rack up $100,000 in medical charges.

  • mbrcatz 4:52 am on November 8, 2009

    Well, if you leave it off, and then get treated for ANYTHING, once they pull your medical records they’ll find it, and deny your claim and cancel your policy for fraud. So leaving it off is not a bright idea.

    You should probably go talk to a local agent, and have them shop this out for you, rather than trying to contact 15 companies yourself. It’s not going to do any good to wait.

  • Northwest OK Guy 4:52 am on November 8, 2009

    I would contact an insurance agent to help. There are some companies that will waiver certain conditions. A lot also depends on the Sate in which you live. Health insurance is Sate regulated. If you are in Oregon, contact me. There are also State High Risk Pools that will provide coverage if you were denied, but they are usually rather expensive.

    Bladder infections are rather common, but can be recurring, which is why you were denied. I would wait for a year to go by with no infections before I applied, but USE and agent. There is not charge to use an agent; you pay the same premium whether you go direct or through an agent. But call one and talk to one, don’t just apply off an agent website with out actually speaking with one.

    And whatever you do, be honest on the application; you would not want to have a policy rescinded, that would be costly if you utilized the benefits.

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