Health and Safety

After being refused health insurance coverage:

· what can you do?

· what options are available to you?

· What are the common reasons for denial?

Should you be refused health insurance coverage for individuals as a result of pre-existing health conditions, contact other service providers for their offerings and rates. Not all companies use the same guidelines in their health insurance options nor do they all offer the same packages.

Do not assume that being refused cover by one company all other companies will follow suit. You can also contact an independent health insurance agent.

Look for health insurance companies that do not bother with questionnaires. You may even consider receiving minimal coverage for a small fee. Take this option only as the very last resort as almost any plan that has no medical underwriting can be considered Read More

During the past 10 years there has been a dramatic upturn in Obesity and overweight adults in America and as you can imagine it has had a serious cost impact on the U.S. healthcare system. While many consumers who are denied health insurance coverage for being overweight or rated with a “fat tax” may feel that they are being jilted by the insurance underwriting system. Fair or not treatment for health issues associated with overweight and obese individuals does have significant reprocussions on the economy and the overall cost of healthcare.

The underwriters use a system for determining your height and weight calculations to determine acceptable ranges. The correlation of the two defines a number called the BMI or ” body mass index” and gives the underwriters an estimate of bodyfat. According to the department of human health services a BMI of 30 is considered obese and 25 to 29.9 is overweight. If your BMI is higher than 43 you will not likely Read More