What would you do if your health insurance co suddenly dropped you?

Answer 1

Its routine practice now for companies to review policies issued 15 or more years ago and make every effort to cancel them .
Insurance companies realize that they face much greater risk of a payout the longer they hold a policy .

It is now standard to review and change policy coverages by offering whats called an updated policy .
This requires a new medical exam and if you do not meet proper health standards your are dropped by the company .

This forces you to purchase insurance at a much higher cost .

Answer 2

If you are unable to get health insurance coverage from your employer, it makes sense to get your own individual policy, so you don’t get stuck with huge medical bills in the event of an unforseen emergency. There’s a new company offering low cost individual health plans in Texas for young, reasonably healthy people. You buy into a plan at a super low cost with fixed benefits that will cover the typical activities and preventative care of a healthy person. Then, if something catastrophic happens, you have the option to get additional levels of coverage, even AFTER the event. A healthy 25-year-old male (and under) would pay under $100 a month for basic coverage. Check them out at http://www.precedent.com - Even if you’re not in Texas, my understanding is that they’ll be offering plans in additional states soon. I hope you find what you need!

Answer 3

I wouldn't feel anything because they can't just *suddenly* drop you.
BTW - I participate in a plan, all companies offer it - mandated by the government. It's FREE - no monthly premiums. I put money out of each paycheck into a savings account & use that money to pay for healthcare - I get the same discounts as PPO plans, only I don't pay the monthly premiums.
Sorry, you can't be bitter about healthcare not being affordable any longer. It's FREE, it doesn't get any more affordable that that. Oh yeah, my deductible us $900 less per year than the standard PPO plans too.
Bet you feel silly now, huh?
Don't try to spread anger, educate yourself - you'll feel MUCH better in the end

Answer 4

1. Find out why. If for a reason such as non-payment from you, you can get back on by paying up. If you have falsified statements on the application that cause you to be dropped, not much you're gonna do with that company.

There aren't a lot of legitimate reasons for an insurer to drop your coverage.

Answer 5

I've gone without health insurance so much because of lay offs and having to go through temp agencies and the like it's not even funny. It's HELL. I have had breast cancer and I can't get checked because ya know what? If it's back (my mom died from it and I'm HIGH RISK), there isn't a damn thing I can do about it. Plus I have high blood pressure......can afford the medicine on the lay off because of my husband working but I CAN'T AFFORD THE DOCTOR.

Answer 6

Mine would *love* to....I have a chronic condition that requires a hell of a lot of medical attention.

With private insurance - good private insurance, I might add - it took me more than FIFTEEN YEARS to get a diagnosis. I'm sure I'd still be waiting if the govt took over.

We need to adopt a "loser pays" method for lawsuits - that'll stop the frivolous BS and yet still allow for legitimate suits. The prohibitive cost of malpractice insurance is creating a doctor shortage - that's just going to make matters a whole lot worse.

What would I do? Be screwed...what could you really do about it?

Answer 7

Get insurance from another company.

Answer 8

Buy insurance elsewhere. Or go without insurance.

Answer 9

Find out their reasons.

Take them to court.

Get every penny back ever given to them for the insurance.

Answer 10

I don't think they can do that unless they pull out of your state and in that case I think they usually find another company to take all existing clients.