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Denied Insurance Coverage because of Epilepsy?

Tue, 08/22/2006 - 23:06
First of all let me say HI to everyone at the forums! :-) I am new here, after spending hours of searching through google. I wanted to share my story with you to see if anyone has experienced similar insurance problems and maybe someone can shine some light and help me. I am 22 years old. I was on insurance with bluecross on my dad's policy, but got pregnant and since I was a full time student I had to switch to medicaid since my fiance had lost his job at the time. He started working again and I applied for BlueCross insurance in May of this year. I was on medicaid for 1 year prior to that, and on bluecross before that. Bluecross only wrote in their explanation that they had denied my insurance application because of my epilepsy since it has not been 5 years (i only had 2 occurences of seizures august 2002). Now I am without insurance and need some help. I tried calling many insurance companies but they all are 2,500 or 5K deductible, with 60-40 or 80-$2,500 out of pocket and small prescription pays etc. which are still around $200/month. If I could get on some insurance policy and pay $200 I would do that, but the problem is are they going to deny my application as well? Am I going to have 12 month pre-exisiting condition apply and have to pay around $500/month for medications for 1 year? I live with my fiance and he works and that's why I don't have medicaid any longer. My fiance has insurance but since we are not married I can't get on his insurance. My fiance works so I can't be on medicaid right? My real questions that trouble me are: Why did BlueCross deny my application? Should I try to keep calling them and hope to speak to someone who doesn't read their script in front of them and acually listens? Did they have the right to terminate my application even though I was never without insurance, and my seizure happened while I was on BlueCross? If that is all YES then is there any other insurance that I can get on? Thank you all in advance!

Comments

Re: Denied Insurance Coverage because of Epilepsy?

Submitted by toddswed2169 on Thu, 2013-09-12 - 17:31

I had not heard of this. There is information out there on the Pre-Existing-Conditions-And-The-Affordable-Care-Act 

 

 

 

I had not heard of this. There is information out there on the Pre-Existing-Conditions-And-The-Affordable-Care-Act 

 

 

 

Re: Denied Insurance Coverage because of Epilepsy?

Submitted by MMedical on Thu, 2013-10-03 - 13:12
FYI...An insurer can deny a policy for pre-existing reasons. I see it all of the time. However, for 1-1-14 effective dates, if you apply through Open Enrollment, you can not be denied and pre-existing conditions will be covered. You may also qualify for a federal tax subsidy. www.majormedicalhealth.com will give you a free quote as will the .gov website, although there are many glitched and delays with the .gov website.

Re: Denied Insurance Coverage because of Epilepsy?

Submitted by angelsdeath on Tue, 2006-08-22 - 23:38
Hi, I would keep contacting them and keep on their case. They didnt have the right. I am currently on bluecross and I am pregnant now I am scared to switch to medicaid. I am currently in school but I know I will take the next semester off. Also, bluecross informed me that if you have documentation of having seizures that your father can cover you for the rest of your life. that is what they told me. I know i Wasnt of any help but I do feel for you. Good luck. Heather

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