Continuous Coverage Does Not Eliminate Underwriting
[...] People with pre-existing medical conditions can get guaranteed issue coverage through Cover Colorado, but are definitely not “guaranteed access to the individual market”. When a person with pre-existing conditions applies for an individual policy in Colorado (and in most other states), the insurance company can deny the application, place exclusions on the pre-existing conditions, or offer the policy at a higher initial rate based on medical history. It doesn’t matter whether the applicant has had continuous coverage or not. [...]
Previous Stories
- Health Insurance Might Be Less Expensive Than You Think
- Why Health Care Reform Is Important
- Not All States Have A Guaranteed Issue Option
- Declined… Now What?
- Many Laid Off Workers Not Getting COBRA Assistance
- Stimulus Aims To Help Laid Off Workers Retain Health Insurance
- COBRA Only Helps If You Can Afford It
- The Cover Colorado Option
- Guest Blogger – Concerns About Health Insurance
- Employers And Health Insurance Don’t Need To Mix
- Moving Away From Employer-Sponsored Health Insurance
- Expansion of the State Children’s Health Insurance Program
- The Freedom of Individual Health Insurance
- How To Save on Health Insurance in Colorado
