Pre-Existing Condition Denials Increase, as the Jobless Search for Medical Coverage

March 30, 2009

(ChattahBox)—A report from the Miami Herald this morning exposes the increasing practice of medical insurers automatically rejecting applicants who suffer from certain medical conditions or those taking certain medications. People forced to buy health insurance on their own in the private market have long faced the dreaded pre-existing condition clauses, denying coverage for a medical condition altogether, or forcing a person to wait out an imposed time frame, until claims were paid for a pre-existing condition.

However, the Miami Herald piece sheds the light on the recent actions of the insurance industry of completely rejecting applicants seeking health insurance. Not only denying coverage for pre-existing conditions, but automatically denying health coverage, period.

As more Americans lose their jobs along with their health insurance, they are forced to find health insurance on their own and many are discovering just how hard it is for anyone who is not young and completely healthy. Many insurers now operate from a confidential Guide to Medical Underwriting, which lists an alarmingly growing number of health conditions, and a list of prescription medications that qualify for automatic denials.

Anecdotal evidence suggests medical insurers are adding new conditions and prescription medications to its automatic denial list, at the exact time when more Americans are seeking out private insurance. Insurance officials don’t want to be in the business of “buying a claim,” having to pay out claims right away.

Some of the medical conditions that qualify for an automatic denial are: diabetes, hepatitis C, multiple sclerosis, schizophrenia, quadriplegia, Parkinson’s disease, AIDS/HIV, rheumatoid arthritis and even severe acne. If you need to take the following prescription medications, you are also out of luck: plavix, metformin, insulin, neupogen, warfarin and abilify, to name just a few. The full list of conditions and medications are secret, so people only find out when they are denied.

Forget about trying to hide your conditions or medications. In this digital age, nothing is private any longer. Insurance companies hire data mining companies that mine the Internet for all your medical information.

As President Obama seeks to solve the health insurance crisis in our country, he will need to address the harsh actions of insurers automatically denying coverage to any of us who have a medical condition or take certain medications.


Comments

3 Responses to “Pre-Existing Condition Denials Increase, as the Jobless Search for Medical Coverage”

  1. hsr0601 on March 31st, 2009 2:17 am

    I guess the best part of competition between the public and private insurance will be that it can bring down the excessive costs and raise the quality of service to survive particularly in private sector , therefore there is no need to worry about the expensive medical costs over time, as EUROPE tells it.

    Thank You !

  2. Johnmayer on April 11th, 2009 1:29 am

    Are you uninsured in America? You should check out the website http://UninsuredAmerica.blogspot.com – John Mayer, California

  3. Andy press on April 13th, 2009 11:59 pm

    I think Obama has a golden chance to take us to the right direction now: that we should eventually achieve an Affordable (NOT free, unlike Canadian system) helthcare system where all of us will be covered for basic medical care. Private insurance should still be allow to exist to
    compete to offer people alternative. Very much like the university system where public school co-exist with the private ones.

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