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 underwri employment law services ting can be considered disguised discount plans and will not provide adequate coverage. There are some 29 states that have options named high risk pools. These plans were created for those individuals who were considered by insurance companies as too risky or the ones that can be classed as medical uninsurable. These pools provide some form of health insurance cover to this class of individuals. With this type of cover, you will not be refused cover and you will also be with very large medical bills. There are many disadvantages with this type of risk cover that should be considered before an individual decides to join. Some states can terminate your cover should legislation be passed against the cover, the premiums are much higher than for other plans and when you move or start using Medicare or Medicaid, may become ineligible.