Rejected by aetna health insurance?

Question

I've been covered by state insurance for two years. I finally decieded to get off of it, and get my own insurance where you pay out of pocket monthly. Well, I have had no laspe and aetna still denied me because I have valley fever and I'am still on medication. How I'am suppose to find insurance if they are going to be this picky about accepting me? It seems to me, you must be healthy! Anyone know what other health insurances I can try, that are not picky? In the mean time I will go back on state insurance.

Answer 1

Yes, valley fever is a decline if it is still present (which it is if you are taking meds) and with many companies it is a decline even for a couple of years afterwards. This is because it can evolve into something more serious.

Yes, you must be generally healthy to get health insurance. You also must get car insurance before the accident, home insurance before the fire, and life insurance before you die.

Answer 2

To simplify it...you couldn't open a hotdog stand and buy hotdogs at $1 and make money unless you sold the hot dogs for more than $1.

With an insurance company it's no different.  They can't get $100/month from an insured and pay out $200/month in claims.  So when they're looking at the risk they would be taking it's obviously not a good deal for them to lose money out of the gate.   AND, they'd still risk that they have to pay even more down the road.  A healthy person is a much better risk...and a way to buy cheaper hotdogs...

http://www.InsurancePickle.com  

Answer 3

Yep, they have no obligation  to give you coverage.  The time to buy private health insurance, is when you're healthy.  Once you have something wrong, it's too late.

YOu can go talk to a local agent, who might be able to find a company willing to exclude that condition, but cover you for other stuff.  But the only way to get preexisting conditions covered, is to go on welfare health insurance (medicaid or medicare), or get a job and go on the group policy, where they HAVE to take you.