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So What Do I Do When My Application for My HDHP is Declined?

Posted on September 12, 2008 by whatisanhsa

Now that is a good, but unfortunate question.  And one I have the great displeasure of having to deal with myself.

I applied for a new High Deductible Health Plan with a new carrier a couple of weeks ago, which I mentioned on this blog.  I am in terrific health as is my family…..

Got a letter last night from the insurance that had the cooling effect of a walk-in refrigerator.  You see, my wife suffers from migraine headaches.  She is not incapacitated, but over the years has taken a couple of medications that threw up a red flag at the insurance company.

I have a call into my insurance agent as I write and will report back the results on a subsequent blog. BUT, I do remember something another agent told me one time, and I am kicking myself for not making sure my Agent didn’t do this prior to submitting the request for insurance.

That piece of advice was to get your agent to get you pre-screened anonymously with the insurance carrier prior to submitting your application.  And here’s why I was told you should do that.  Once you have been denied coverage, you will be asked everytime you apply for insurane again, if you have ever been denied coverage.  Apparently, it is like wearing a Scarlett Letter.  It also kind of sucks.

I’m definitely going to discuss this Scarlett Letter thing with my insurance agent.  In the meantime, as I told my wife, no need to panic, we still have plenty of time for that.  More to follow….

Filed under: healthcare | Tagged: cdh, hdhp, health savings account, high deducitible health plan, hsa education

« HSAs, HDHP’s, One Week Later and I’m Home Free COBRA or Individual High Deductible Health Plan / Health Savings Account »

3 Responses

  1. High Deductible Health Plan (HDHP) - Plan “B” « What is an HSA?, on September 18th, 2008 at 1:16 am Said:

    [...] Deductible Health Plan (HDHP) – Plan “B” A few days ago I posted the sad story of a family, who when trying switch their high deductible health plan to another carrier was [...]

    Reply
  2. Health Savings Accounts, High Deductible Health Plans and Critical Care Insurance « What is an HSA?, on October 3rd, 2008 at 4:04 pm Said:

    [...] you read the article on this site a few days back about how the poor sap got declined for health insurance (me) which was followed by another article called “plan B” which outlined the steps I [...]

    Reply
  3. So What Do You Want To Know About Health Savings Account (HSAs) And High Deductible Health Plans (HDHPs)? « What is an HSA?, on December 10th, 2008 at 4:51 am Said:

    [...] So What Do I Do When My Application for My HDHP Is Declined? [...]

    Reply

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