Ask Your Question

Angie's List Answers is the trusted spot to ask home improvement and health questions and get answers from service companies, health providers and consumers. For ratings and reviews on companies in your area, search Angie's List.

 
 
or
Submit
Top 30 Days Experts
Rank Leader Points*
1 gbafreview 680
2 kstreett 240
3 Guest_9020487 110
4 Guest_9190926 105
5 GoldenKid 100
6 ahowell 95
7 KnowledgeBase 95
8 skbloom 80
9 Guest_98024861 70
10 Guest_9311297 70

*Updates every 4 hours

Browse Projects By Category

Question DetailsAsked on 1/18/2012

I applied for HC insurance at a well-known company which declined my app because I was treated for addiction over a yr ago. Is that legal?

I was in a 30-day program for alcoholism which is recognized by the AMA as a disease. I ran out of my COBRA coverage which I received after my job was eliminated in 2008. I never missed a payment.

I applied to Health Partners who declined my application because of my treatment. Even though I've remained sober for well over a year, they won't even consider me until I've been dry for 3 years. Is this legal? Discriminatory? What do they do with folks who have cancer in remission?

Do you have the same question? Follow this Question


1 Answer

0
Votes

Individual health insurance is medically underwritten. These are private, for profit institutions, so yes it's legal. Each company has different underwriting standards, so use a broker to save time. Brokers services are free.

To answer your questions about cancer in remission. Typically most cancers are an auto decline for at least 10 years.

Source: http://www.iHealthBrokers.com/al

Answered 7 years ago by iHealthBrokers.com




Related Questions


Terms Of Use
|
Privacy Policy