Is your Health Insurance Declined in California? If so what next?
You don’t feel good, do you? Despite paying the premium, you are denied the coverage which is rightfully yours! But it happens. A thing called impaired risk market is your huddle here. This indicates that you have a history of diseases like diabetes, obesity, cancer or something else. All these diseases mark a risk of premature death all over your insurance papers, which is a problem for the insurer.
While some people panic, others find alternatives for jumping off this speed bump. There might be a little window, which includes buying a new affordable family health insurance policy or switching to a new company. The below-inscribed instructions will walk you through the steps you need to take after denied insurance-
Before your insurer denies your application, there is an entire trail of paperwork involved from numerous sources. Based on your submitted paperwork, the risk is evaluated. If high, your application is denied by either rating it postponed or simply denied. No matter what the title is it’s your right to seek information about why your application was neglected. Maybe there was a lapse in paperwork or some current examination results showed an unknown issue.
Confirm the results-
After you have gained all the information, start digging up. Consult with your physician, sometimes health insurance in Orange may deny the application for a minor undiagnosed ailment. Other cases like criminal records, lack of financial stability, or any occupational hazard can result in denial too. In this case, check if the updated documents were submitted or not, if not then take your query to the underwriter gain.
Consult your Agent-
Working with an agent opens new doors for your application. It’s not necessary, to go with the first company. Apply with multiple insurance renderers. Where some companies might deny the application due to your condition, other health insurance in Santa Ana might accept it in in a controlled manner. An agent will also be a huge helping hand in filing your paperwork.