What Are Your Options If You Are Denied Health Insurance?

If you have a medical condition and you are looking for North Carolina health insurance, you know the challange this can present. It is likely that you have already been denied coverage from an individual carrier and now are at a loss as what to do next. If you have not yet experienced the pain and humiliation of health insurance rejection, then you may have had your rates adjusted rediculously high on your potential plan due to your medical condition. You should know what your options are if you have experienced these frustrations.

One of the first things you should consider after being denied North Carolina health insurance is finding an employer who offers insurance as a benefit. You will get the best coverage this way. You will have less flexibility when it comes to choosing the plan that you want, but you will be guaranteed coverage. Your preexisting conditions will continue to be covered without a 12 month waiting period as long as you have had continuous coverage without a lapse of more than 63 days. Obviously with today's economy, employment opportunities let alone ones that have benefits are harder to come by these days. Therefore, you may have to look at other options. Don't let this part of the process worry you.

If you can't get benefits through your employer, there are other options for North Carolina health insurance for those with medical conditions. For example, you may want to look into the North Carolina health insurance risk pool, also known as Inclusive Health. This is a great way to get insurance if you have been denied by a commercial carrier and you do not have access to a group plan. You also automatically qualify if you have recently exhausted your COBRA coverage. Keep in mind that premiums are higher than individually underwritten health plan because this is a guaranteed issue health insurance plan.

If you are not sure where to turn, finding health insurance can be an overwhelming and frustrating task. Just because you've been denied by one carrier doesn't mean that you have exhausted all of your options. All carriers have their own underwriting criteria and just because you may have been declined by one there may be another that will approve you with a rate increase or a rider. This is why you should work closely with an experienced agent as they can save you a lot of money, effort and time because they know how each carrier works and which ones will be best for your situation. Remember that agents exist to lead you through the maze of North Carolina health insurance plans

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