I hope that someone can help me out with this insurance prob

by frtwome » Mon Dec 08, 2008 04:20 pm

I hope that someone can help me out with this insurance problem. My husband is 52 5'6" weighs 185 he has high blood pressure, and has had for maybe 10 years, it has always been controled with medication. He goes up & down with his weight. I want to get health insurance for him, but he is considered a high risk, Aetna approved his application for PPO 1000 but increased the monthly rate from $381.00 to $572.00 per month, we can't afford to pay that, so I had to reapply for a plan with a higher deductible, I chose the PPO 5000 even if Aetna decided to double the price it would be $406.00 per month. I put on the application exactly what was on the last one that they approved, there are no health changes from July 2008 until I reapplied 11-25-2008. Sent it in online, a few days later, I checked for the status, and they declined his application. It's crazy... Last time, when approved, he was a "C" risk, this time a "D" risk. It's not fair. And now because he was declined, I can't find any decent health plan for high risk that we can afford. I am scared to get the guaranteed issued health plan. None of them are insurance companies that I have ever heard of. They are Freedom Solutions, Core, AIM. Please help me, if anyone has a solution. We live in Tennessee. Blue cross, is too much money for high risk. Thanks
frtwome[at]yahoo.com

Total Comments: 21

Posted: Sat Apr 18, 2009 12:58 am Post Subject: Group Insurance may be the answer

Group Insurance means Guaranteed Issue. That is "no pre existings" and there are many carriers. Instead of considering yourself as having been "denied" think in terms of being "postponed". Google "group insurance" and find an agent ...they will or should be able to get you coverage that meets your budget. Blue Cross have many plans.

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