I just received letter from Blue Shield of California on my recent application for health coverage, I am asking for any suggestion on appeal and my rights in this process. My COBRA is running out, and this recent application took 2 months before they turned me down.
I considered myself fairly healthy other than a monthly low dosage cholesterol prescription.
Any help or suggestion is appreciated.
How To Appeal Declining Application On Health Insurance?
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Bad cholesterol readings would not be subject to a decline; worst case scenario would be a waiver. There has to be something else in your records that would indicate another problem and the letter should state the reasons, such as being over the BMI guidelines or needing a procedure that has not been completed. You need to contact your agent. The agent can talk with the underwriters and help you appeal the decision or can suggest other options. If the agent also works with other insurance companies they can probably find a plan that would accept you; many other companies are much more lenient with their underwriting. If you did not use an agent you’re acting as your own agent and you must contact the underwriters to find out why they declined and what your options may be.
I just received letter from Blue Shield of California on my recent application for health coverage, I am asking for any suggestion on appeal and my rights in this process. My COBRA is running out, and this recent application took 2 months before they turned me down.
I considered myself fairly healthy other than a monthly low dosage cholesterol prescription.
Any help or suggestion is appreciated.