Why would a health insurance provider reject someone with a preexisting condition?Does it happen often?
February 9th, 2012
Question by auntfran8: Why would a health insurance provider reject someone with a preexisting condition?Does it happen often?
From what I’ve heard and read,this is supposed to be a big part of the present health insurance and health care coverage debate.Thankfully,I don’t know anyone who has this problem.I also know that,debates and all,if Congress passes a health insurance overhaul bill,that it won’t take affect until 2014 or later.
Best answer:
Answer by Steve D
The reason that a health insurance company rejects a person with pre-existing conditions is that the numbers suggest that such a person will have high expenses in the future. Rather than raise the rates on everyone to make sure that all the expenses are covered, which results in healthy people dropping coverage, the insurance company either rejects the person or issues a policy with a no-coverage rider (ie, if your pre-existing condition is diabetes, the policy won’t cover insulin, oral meds, etc.).
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