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What Are Your Options If You Are Denied Health Insurance?

What Are Your Options If You Are Denied Health Insurance?

If you are looking for North Carolina health insurance, but you have medical conditions, you know how tough it can be. Chances are that you have already been denied coverage from an individual carrier and not sure what to do. If you have not experienced the pain and humiliation of insurance denial, then you have probably had rates that were ridiculously high placed on your potential plan. If these frustrations sound familiar to you, then you need to start considering some options.

One of the first things you should consider after being denied North Carolina health insurance is finding an employer who offers insurance as a benefit. You will get the best coverage this way. You will have less flexibility when it comes to choosing the plan that you want, but you will be guaranteed coverage. Your preexisting conditions will continue to be covered without a 12 month waiting period as long as you have had continuous coverage without a lapse of more than 63 days. Obviously with today’s economy, employment opportunities let alone ones that have benefits are harder to come by these days. Therefore, you may have to look at other options. Don’t let this part of the process worry you.

If you can’t get benefits through your employer, there are other options for North Carolina health insurance for those with medical conditions. For example, you may want to look into the North Carolina health insurance risk pool, also known as Inclusive Health. If you do not have access to a group plan and have been denied by a commercial carrier then this is a great way to get excellent health insurance www cbdpost us. If you have recently exhausted your COBRA coverage you will automatically qualify. Keep in mind that premiums are higher than individually underwritten health plan because this is a guaranteed issue health insurance plan.

Finding health insurance can be a frustrating and overwhelming task if you don’t know where to turn. Just because you’ve been denied by one carrier doesn’t mean that you have exhausted all of your options. All carriers have their own underwriting criteria and just because you may have been declined by one there may be another that will approve you with a rate increase or a rider. This is where working with an experienced agent is invaluable as they can save you a lot of time, money and effort as they understand how each carrier works and which ones may work for your situation. Remember that agents exist to lead you through the maze of North Carolina health insurance plans