Pregnancy Coverage - Kaiser Permanente Application Denied

[klein123]

Hi -

We live in ohio and are currently with Golden Rule United Health insurance.

Last year, with her existing insurance, went to the doctor for regular checkups - flu, cold and cough (minor illnesses). She mentioned that in her Kaiser Permanente application a week ago (as they are the only ones who do not have a waiting period).

We received a letter stating that our application was denied and the reason being that she has existing illnesses (how ridiculous!!) and that she can repeal (it would take 30 days for their decision).

My question is - is there anyone out there in Ohio or anywhere facing a similar situation ? If so, can you please respond how tackled it and if you were able to receive Kaiser Permanente's maternity coverage.

Any help would be greatly appreciated. Thank you!!

 

[leevena]

Calm down skippy. Carriers do not turn away people willy nilly. They are more than likely using a debit/credit underwriting formula, meaning that each answer adds/takes away from the formula. There must have been something other than "regular check-ups", in fact your post says that these regular check-ups are for "flu, cold and cough, minor illness." Sounds a little fishy.

 

[somarco]

What does your KP agent have to say?

 

[Yagents]

Wanna bet she is pregnant now.

 

[somarco]

Don't know about OH but KP eliminated maternity coverage in GA back in January.

Of course they still won't issue a policy if she is pregger's.

 

[dgoldenz]

A $16k family deductible policy for a 40-year-old couple can be had with Kaiser here for the low, low price of $800/month. What a steal.

 

[CHUMPS FROM OXFORD]

Just to throw this in...but Kaiser basically serves only two areas of Ohio...Cleveland and Akron. So it may be a moot point if they live in Cincinnati, for example.

Oh...by the way...it's getting up to 98 degrees here Thursday. Lovely.

 

[Guest]

Just to throw this in...but Kaiser basically serves only two ares of Ohio...Cleveland and Akron. So it may be a moot point if they live in Cincinnati, for example.

Oh...by the way...it's getting up to 98 degrees here Thursday. Lovely.

Do they still offer maternity in Cleveland and Akron?

I think you're hotter today than Atlanta. Bummer. Thank you air conditioning!

 

[CHUMPS FROM OXFORD]

Maternity is still available with no waiting period. But they do have to meet the deductible and coinsurance would apply.

They should actually contact Kaiser direct since it seems as if there are a lot of issues here.

 

[ksigmtsu]

Best thing to do here is whatever Chumps says, since he is the Ohio medical insurance expert.