matilda654
Expert
- 55
A friend of mine was declined for Major Medical insurance with Celtic. Her Cobra insurance is expiring this month, so she needs to get an individual major medical plan.
I do not understand why she was declined. She has none of the major health issues, such as heart problems, hight blood pressure, diabetes, high cholesterol, etc.
She has hemorroids, fibroids (which will shrink once she goes thru menopause according to research), and had migranes about 10 years ago, otherwise is healthy and does not go to the doctor on a regular basis for any recurring problems, nor does she take any perscriptions.
Are insurance companies getting that strict to where they don't approve applications unless you have NO conditions whatsoever? I am very frustrated for her. Any suggestions. She did call the insurance company and they were of no help and just suggested she write a letter of appeal, which we are both sure will be a waste of time. She lives in TX and has had insurance her whole life, and wants to find insurance coverage.
I do not understand why she was declined. She has none of the major health issues, such as heart problems, hight blood pressure, diabetes, high cholesterol, etc.
She has hemorroids, fibroids (which will shrink once she goes thru menopause according to research), and had migranes about 10 years ago, otherwise is healthy and does not go to the doctor on a regular basis for any recurring problems, nor does she take any perscriptions.
Are insurance companies getting that strict to where they don't approve applications unless you have NO conditions whatsoever? I am very frustrated for her. Any suggestions. She did call the insurance company and they were of no help and just suggested she write a letter of appeal, which we are both sure will be a waste of time. She lives in TX and has had insurance her whole life, and wants to find insurance coverage.