Are underwriters at insurance agencies allowed to deny you insurance for "preexisting-conditions" (injury etc)

as it says above :-)

Are insurance underwriters allowed to deny you insurance policies for "pre-existing" conditions, such as a physical or mental ailment that existed before a policy is to be issued??

thanks! :-)

Insurance companies file what is known as "rules and rates" with each State they do business. The "Rules and Rates" are pre-approved with the State's Office of Insurance Regulation or Insurance Commissioner's office. If they have listed what specific pre-existing conditions are not acceptable for obtaining a health insurance policy and it was approved by the State, then they are within their legal means.

however, if you changed jobs midstream from one company to another and they use the same insurance company and the lapse of coverage is within 30 days or less, many times, the insurance company will waive the pre-existing condition because in theory, you were already insured by the same company and do not pose an extra risk since you already existed with them. A No Harm No Foul point of view. It is simply advising them where you were previously covered with them and under what policy number for them to tie the 2 records together. I have succeeded in getting coverage in that manner.

If you are doubting the legitimacy of the policy denial, then contact your State's insurance hotline in which they will be able to determine legal cause based on the information provided pertaining particularly to you.

Yes -- unless there is a law that prohibits it.

Depends. Sometimes yes, sometimes no.

For instance, if you are a federal contractor and were previously covered by insurance when the condition developed, then your job got transferred to a different contracting company, you change insurance carriers. If you were covered before, they cannot deny coverage.

Some states have that law, too. But not many. Best way to check is go online to your state's insurance commisionner's office and see if they have state laws posted that cover your question.

Yes, in the absence of a law requiring them to insure. Nothing says they can't just make the rates exhorbitant, though.

unless there is some other contract in place, they can. For example, my employer contracts with an insurer to provide coverage for all employees regardless of their health when hired. The price my employer pays reflects that increased risk. Insurance companies are in the business of evaluating risk. If they see little chance of making a profit off you, then they do not want your business and in general they are not required to do business with you (just as you are not required to to business with them).

Sure, they can deny for no reason at all. I just go on the net and let them bid for my dollars. If they sneeze, I get another one. If I'm gonna get ripped off at least i can pick the thief.

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