Getting Denied For Health Insurance is Easy

causes increased expected mortality and the individual is insurable on some basis, he or she usually is charged a flat extra premium commensurate with the risk. A rider excluding death or hospital expenditures resulting from participation in the hazardous activity may be employed occasionally. Also, riders excluding coverage for accidental injuries caused by football, basketball, or baseball players are not uncommon. 

 

Anything: For those that think you are perfectly healthy, you are in for a big surprise. Even if you were never officially diagnosed with an uninsurable medical condition and by the way the list is endless, if you have not had coverage for some period of time a paramedical examination will have to be performed and insurers will be evaluating the test results very closely. Special attention will be given to the liver enzymes such as bilirubin, certain pressures in the kidneys such as the glomerular filtration rate which measures the rate of clearance of waste toxins you are capable of removing from your body and certain proteins in the body such as albumin. There really is not enough room within the scope of this writing to cover everything but it is important that you understand the reasons an insurer will decline your application or make you pay much more than anticipated is unlimited. 

 

As a final note: The best advice I could give to consumers considering individual health insurance coverage is to avoid trying to do it