You are currently browsing the tag archive for the ‘insurance underwriters’ tag.
I just received the official letter that my application for a health insurance policy is denied due to the underwriter’s determination that I am “medically ineligible.”
So now I have joined the ranks of the uninsured.
Recently I moved to a different state. Because I am self-employed I have carried my own coverage. Since my policy was based on using preferred providers PPO, I could not continue the policy once I moved.
I had more or less expected this would be the result, since last year I had a lumpectomy for breast cancer and radiation treatments. Actually keeping the policy I had at the time was a struggle. Before I received my diagnosis, my business income had declined due to the recession and some marketing problems. Due to the treatments I lost more time at work, resulting in further loss of income.
Last winter I found myself forced to choose between paying my mortgage and the health insurance premium. I opted to pay the health insurance, but once I got behind on the mortgage I was unable to catch up. The payments I was behing on quickly added up and I went into default and eventually received a foreclosure notice.
By the grace of God I was able to sell my condo before the foreclosure started and make my move to this new location, but that’s a different story.
For now I have found a place to go for health care where I can get the follow-up mammograms I need, as well as any other care. It is a community clinic that has a mission to see that noone is denied health care.
But the larger question to me is how it is possible in this country at this time to deny anyone medical coverage due to a pre-existing condition?
My hope has been that this must change. I want to add my voice to that movement for change.
