Why I Was Denied Health Insurance

After months of waiting for my health insurance to be activated, and after paying for it all the while, I was informed recently that I am uninsurable.

What horrible malady might I have? Cancer? Multiple sclerosis? Heart disease? Let’s take a look at the letter they sent. I’m sure that will tell me why.

Oh, yes. I was denied health insurance because of “*”. Seriously? All you people who think the United States of America doesn’t need a major overhaul of its health insurance industry should look at this and think twice.

For no reason I was denied health insurance. Previously they told me they were waiting on the results of an electrocardiography exam I had nearly three years ago. An EKG that came back saying my heart was in perfect condition. Now they tell me because… asterisk. They literally have no reason for their rejection. I have been dealing with them since August with this mind you.

Welcome to America, land of the brave, the free and the uninsured.

Thanks Republicans who did all they could to prevent people like me from getting coverage and the Democrats that let them do it. Tea Party members… Don’t even get me started.

Share your insurance issues, thoughts on reform in the comments.

22 thoughts on “Why I Was Denied Health Insurance

  1. On the surface it’s funny.
    An ASTERISK.
    That’s their reason???

    Then it gets annoying to say the least… infuriating, really.

  2. On the surface it’s funny.
    An ASTERISK.
    That’s their reason???

    Then it gets annoying to say the least… infuriating, really.

  3. I recommend sending this to the Consumerist if you haven’t already: tips@consumerist.com.

    Seriously, though, someone fails at form letters. After all the stories I’ve read from other places (mostly from banks), this isn’t surprising.

  4. I recommend sending this to the Consumerist if you haven’t already: tips@consumerist.com.

    Seriously, though, someone fails at form letters. After all the stories I’ve read from other places (mostly from banks), this isn’t surprising.

  5. @travelfox It really is. I called several times trying to find out why it was taking so long. One excuse lead to another and then finally, this letter. Meanwhile they were collecting money from me every month!

  6. @travelfox It really is. I called several times trying to find out why it was taking so long. One excuse lead to another and then finally, this letter. Meanwhile they were collecting money from me every month!

  7. @sushi Thanks for the suggestion, I’ll definitely send it their way. It’s pretty crazy to think that after spending hundreds of dollars and waiting for months, I’m denied health insurance because of *

  8. @sushi Thanks for the suggestion, I’ll definitely send it their way. It’s pretty crazy to think that after spending hundreds of dollars and waiting for months, I’m denied health insurance because of *

  9. The same thing happened to me multiple times. I just kept applying for different insurance companies and finally one accepted. I think I tried 7 companies before I got a good deal

  10. The same thing happened to me multiple times. I just kept applying for different insurance companies and finally one accepted. I think I tried 7 companies before I got a good deal

  11. @Jenny That’s just insane isn’t it? For me this was an employer provided/promoted insurance company. So, to get affordable insurance all I needed to do was get approved and there wasn’t anything that would prevent that approval. Super lame how they handled the situation.

    Oh well, I’ve quit my job since then so the hunt for insurance continues! Luckily I’m moving to San Francisco, I hear they have a public option of some sort.

  12. @Jenny That’s just insane isn’t it? For me this was an employer provided/promoted insurance company. So, to get affordable insurance all I needed to do was get approved and there wasn’t anything that would prevent that approval. Super lame how they handled the situation.

    Oh well, I’ve quit my job since then so the hunt for insurance continues! Luckily I’m moving to San Francisco, I hear they have a public option of some sort.

  13. Well someone has to play devils advocate here. In human genetics an * is used to denote that someone is a member of a haplogroup, which share a common ancestor with a single nucleotide polymorphism (SNP) mutation. Perhaps the Insurance Corporation has traced this familial mutation all the way back to, say, Typhoid Mary. That could get costly for them. Or perhaps they’ve traced your lineage even further back to Methuselah, who lived to the ripe biblical age of 969. He may have lived that long, but imagine all those sniffles he must have had living through a terrible era without antibiotics (or deodorant, to make matters worse!). 969 years of health insurance can be a costly affair, and I can’t imagine Methuselah’s Insurance Corp. is still performing in any fiduciary function. Otherwise, good luck with the next company. Wow, that doco ‘Sicko’ couldn’t be closer to the truth, hey?

  14. Well someone has to play devils advocate here. In human genetics an * is used to denote that someone is a member of a haplogroup, which share a common ancestor with a single nucleotide polymorphism (SNP) mutation. Perhaps the Insurance Corporation has traced this familial mutation all the way back to, say, Typhoid Mary. That could get costly for them. Or perhaps they’ve traced your lineage even further back to Methuselah, who lived to the ripe biblical age of 969. He may have lived that long, but imagine all those sniffles he must have had living through a terrible era without antibiotics (or deodorant, to make matters worse!). 969 years of health insurance can be a costly affair, and I can’t imagine Methuselah’s Insurance Corp. is still performing in any fiduciary function. Otherwise, good luck with the next company. Wow, that doco ‘Sicko’ couldn’t be closer to the truth, hey?

  15. @justex07 @Jenny Yeah that would be nice. I mean I have one lab test that is not normal, have no symptoms, am not scheduled for surgery, do not take or need any prescription drugs, have lost 45 pounds in the past 6 years and I am going to be a doctor in 16 days and still was denied SEVERAL times. So insane!! Silly insurance companies. I finally got accepted by some company called CoventryOne.

  16. @justex07 @Jenny Yeah that would be nice. I mean I have one lab test that is not normal, have no symptoms, am not scheduled for surgery, do not take or need any prescription drugs, have lost 45 pounds in the past 6 years and I am going to be a doctor in 16 days and still was denied SEVERAL times. So insane!! Silly insurance companies. I finally got accepted by some company called CoventryOne.

  17. @Jenny My last insurance was amazing, a group plan through my parents from United Healthcare. We had amazing coverage, really miss it!

    Should get coverage through Ryan once I get moved to San Francisco, fingers crossed!

  18. @Jenny My last insurance was amazing, a group plan through my parents from United Healthcare. We had amazing coverage, really miss it!

    Should get coverage through Ryan once I get moved to San Francisco, fingers crossed!

  19. @WilliamJohnSingleton Ok, first of all, I MISS YOU! It’s been forever since we talked through comments here, Facebook or email. Hope all is well with you!

    Second of all, that was freaking hilarious. 😀

  20. @WilliamJohnSingleton Ok, first of all, I MISS YOU! It’s been forever since we talked through comments here, Facebook or email. Hope all is well with you!

    Second of all, that was freaking hilarious. 😀

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