What Can Result in a Denial When Applying for a Health Insurance Georgia Policy?
At this time, there are certain factors that will prevent some individuals for qualifying for health insurance. In the future, this may change, as the health care reform acts are prohibiting health insurance Georgia providers from denying coverage to someone with bad health. However, at this time, there are still some things that may result in a denial, or higher premiums. The list below is not all-inclusive, but is provided to give you an idea of the things that may affect your health insurance Georgia plan application.
Usually, pregnant women will not qualify for a health insurance Georgia policy while in the middle of pregnancy. Also, children that are less than two weeks old will probably not be approved for health insurance Georgia benefits. Many policies will have a waiting period for pregnancy benefits, although this could be a fairly short time period.
There are certain health conditions, which might also result in a denial when applying for a health insurance Georgia plan. These include being severely obese, or severely underweight, as well as if you are in the middle of waiting for results of diagnostics tests, treatments, surgery, biopsies, or lab work. Individuals who have diabetes often have difficulty qualifying for health insurance Georgia benefits. Another obstacle to approval of health insurance Georgia policies is if you are a smoker. Smoking can lead to so many health problems, that it is one of the main factors that health insurance Georgia companies look for on their application process.
If you have been diagnosed, or treated for, any of the following conditions, in the last five years, you may be denied coverage:
AIDS/HIV
Anorexia
Chronic Obstructive Pulmonary Disease
Chron’s Disease
Emphysema
Fibromyalgia
Heart Attack, Stroke, or Angioplasty
Organ or Tissue Transplant
Also, just about any cancer will trigger alerts on applications. Even if you are now in remission, if in the past five years, you have received treatment for any kind of cancer; you may have difficulty getting approved for health insurance Georgia benefits.
There are certain mental health conditions, which also may negatively affect your ability to qualify for health insurance Georgia benefits. For example, if you have ever been hospitalized for problems caused by depression, you may have some difficulty qualifying for health insurance Georgia plans. Panic attacks and anxiety problems may also interfere with your receiving health insurance Georgia benefits, but that is not as standardized at this time.
Of course, the health care reform will change many of these situations. One of the requirements in the future is that health insurance Georgia companies will not be allowed to take current health conditions into account when determining approval and premiums. However, many people are concerned this will result in increased health insurance Georgia plan premiums for everyone across the board. However, these changes do not go into effect for a few years, so for now, be aware of the medical conditions that may prevent you from qualifying for a health insurance Georgia plan. It is very frustrating when you get denied for health insurance Georgia benefits. The federal government is trying to minimize this situation, and they are also encouraging states to have high risk insurance pools for those who are repeatedly denied health insurance Georgia benefits.
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