Denied Individual Health Insurance Coverage? Reasons For Health Insurance Coverage to Be Denied

What should you do if you have been denied health insurance coverage? What options do you have if you have been denied individual health insurance coverage? What are some of the common reasons that health insurance coverage can be denied?

In a nutshell, if you have been rejected individual health insurance coverage due to pre-existing conditions then you should first of all shop around and compare rates from multiple companies. After all, different health insurance companies have different underwriting guidelines and just because you have been denied coverage with one company does not necessarily mean that the next company will do the same. Having the services of an experienced independent health insurance agent at a time like this is a definite plus.

If for any reason you are rejected from receiving health insurance by a company, you may also want to try to look for companies that don’t require you to answer questionnaires, or even better go for some that can give you at least a little coverage for a low-cost – this is a last option though as almost all individual plans that do not have medical underwriting are really just discount plans in disguise and will not give the coverage that a true major medical comprehensive health insurance plan will.

Some states (29 to be exact) have what are called high risk pools. These were created to serve those people that are considered medically uninsurable or those that are described as a “high risk” for the insurance companies. What these pools do is give those people that have been turned down an opportunity of having health insurance. With a high risk pool you will never be turned down for any reason and the best part is that it will help you pay for large medical costs.

There are however, a bunch of things that might be viewed as disadvantages to the customer deciding whether or not to consider a high risk pool. Some of the disadvantages include that the state can terminate your coverage if there is legislation against it, there are usually long waiting lists, the cost is much higher than private health insurance plans and you can lose eligibility if you move or if you start receiving Medicare and Medicaid. If you want to know if your state is one of the 29 that offer “high risk” pools or for more contact information to enroll in one of them then you should speak with a health insurance broker local to your state. Again, keep in mind that a high risk pool should be one of the last options that you consider.

With the Health Insurance Portability and Accountability Act (HIPAA) passed in the year 1996, new doors were opened for the people that weren’t able to qualify for private individual health insurance. Within this act a law was passed that states that a person cannot be denied health insurance for any reason if they decide to join a group health plan. This means that if you have a job with an employer that offers group health insurance coverage, more than likely you won’t be denied coverage. The only way in which coverage wont be given to a person in the even that they seek group health insurance, is in the event that you do not meet the eligibility requirements of your employer.

Some of those eligibility requirements could be the total number of hours you work per week and whether you have a salaried or an hour employee. It is of note to highlight that group health plans may refuse to cover a person with pre-existing conditions; however if you have at least 12 months of continuous creditable coverage, a group plan will not be able to deny you insurance due to pre-existing conditions.

This doesn’t mean that if you have had health insurance in the past and you have a pre-existing condition you are covered. If you have had a break in coverage (lapse in coverage) and you apply for group coverage you will be given an exclusion period. During this exclusion period the insurer will not pay for any treatment or doctor visits related to your pre-existing conditions, instead you will be responsible for all unrelated treatment.

The HIPAA laws also dictate that individual health insurance coverage must be issued on a guaranteed issue basis (everyone is approved) and all pre-existing conditions are covered if someone meets 6 criteria. These 6 HIPAA health insurance requirements are an important part of the HIPAA laws to understand if you have major pre-existing conditions and have been denied for regular individual health insurance coverage.

How to Find the Best Illinois Homeowners Insurance Coverage

How does one find the best Illinois homeowners insurance coverage?The state of Illinois is perhaps one of the most populated in the nation and this means that there are always people looking for homeowners insurance coverage. With so many companies and so many types of coverage in the market, it is always important to have a clear idea of what you want to have and how much coverage you need in order to have a good experience when filing a claim in your favor. Below you will see Illinois homeowners insurance coverage options explained along with the many things that trouble customers about the industry.

Home Insurance Definition In Illinois Homeowners Insurance Coverage

Before we actually try to explain each of the types of coverage associated with a policy in the state of Illinois, it is important to know what homeowners insurance is about and what it means. Usually you need home insurance if you do not own a house and are still paying mortgage. Is the way in which a bank protects itself and you by securing your assets in case of an unexpected accident or a natural event. Homeowners insurance is simply an accord between an insured and a insurance company in which the insured gets a certain amount reimbursed when filing a claim about an accident or the destruction of the residence.

Types Of Policies Containing Different Illinois Homeowners Insurance Coverage Options

There are many different policies that a person gets to see when he or she is shopping for homeowners insurance in Illinois. It is important for the person to get the right one because this will protect them and have them in better shape for the future. Below you will see perhaps the most common of the homeowners insurance policies, each with different coverage according to the Illinois Division of Insurance.
HO-2 (Broad Form): This is perhaps the simplest of the policies and it only covers what is specified within the policy.

HO-3 (Special Form): This is what most people get when they are searching for homeowners insurance because is the one that best fits their needs. The policy simply covers the property and liability coverage for the home, the loss of using your home and other structures. It covers you through all the risks specified in the policy plus personal property.

HO3/HO5 (Comprehensive Form): This type of policy simply covers most of what is excluded in your policy, giving the insured a little bit more peace of mind. One thing to say about this insurance type is that is a little bit more expensive than the others ones and is not offered by every single insurance company.

HO-4 (Tenants Form): This simply provides coverage for a renter’s living expenses, personal property and liability.

HO-6 (Condominium Form): This is a specific type of policy that covers condo owners. It simply allows them to be protected for their personal property plus any alteration made to the inside of the property. They can also buy more so that it protects liability and other property not included in the previous policy.

HO-8 (Modified Coverage Form): This may be what people that own an old home are looking for. The policy simply provides coverage when the old residence replacement costs way more than the houses market value.

Types Of Illinois Homeowners Insurance Coverage

Now that we know the different types of policies with the coverage that they each give to the customers, it is important to dig a little deeper in order to see the exact things that are included in a standard Illinois homeowners insurance policy. The four main types of coverage will be listed below with a brief explanation of what they mean.

1. Coverage for the Structure of your Home: This is perhaps the reason why most people are out there looking for home insurance, to protect their dwelling. The coverage for your home’s structure can be a little tricky because depending on what you add to the cost, your premiums will be higher. Most experts simply tell customers to add to this coverage the market value price of the residence plus any construction prices that you see indicated. Do not add the cost of the land unless you have money to pay higher premiums.

2. Coverage for your Personal Assets: Your IL home insurance company will also give you coverage for the possessions that you have inside of your home. The reason for this is that they understand that under a house fire or a hurricane a person will not be able to take most of their priced assets out of the home. Each insurance company varies in the way that they handle the amount to be distributed in this particular coverage, however it is known that most companies give you from 50% to 70% the price of your residence. Another good thing to highlight about this coverage is that your personal possessions will be covered by the home insurance company anywhere in the world!

3. Liability Coverage: This is a coverage that very recently entered the market simply to evade the owner of the house being sued after a friend or a person gets injured in the property. What this coverage really does is have the person injured make the claim to the home insurance company instead of the owner of the home. This means that they will be associating with the insurance company directly and they won’t have any contact regarding money with the owner of the house.

4. Cost of Additional Living Expenses: This is perhaps the last coverage that a policy in the state of Illinois may have. It simply refers to the living expenses a person needs at the time of the repair or after the destruction of the residence. It is the insured who picks the value of this part of the policy, so make sure that you think about it in a timely manner. Things included under this are transportation, hotel fees and other things of that magnitude.

Disasters That Should Be Provided For With Illinois Homeowners Insurance Coverage

These are just some of the many accidents or natural disasters that a home insurance company in Illinois should cover:

Fire
Lightning
Windstorm
Hail
Falling Objects

Note: Flood insurance is not typically covered automatically under an Illinois homeowners insurance policy without purchasing an additional rider.

Compare Quotes To Find The Cheapest Illinois Homeowners Insurance Coverage

As you can see there is no reason why you can’t have the homeowners insurance coverage of your choice in the state of Illinois. Now that you are more knowledgeable of the types of coverage and what they entail go ahead and give it a try.

Insurance Coverage For Golf Carts – Unleash The Secrets You Do Not Know

If you are a golfer and happy with homeowner’s policy, then think again. Your homeowner’s insurance policy might not protect you when you go out there on the greens and trails. In fact, you need a specially devised insurance coverage for golf carts.

There is a big difference between the coverage when you buy appropriate insurance policy. Well, you are not going to use your golf cart inside your home to travel from dining to bedroom or kitchen to patio. You need adequate protection especially when you are out on your wheels. Some prominent instances when your homeowner’s insurance fails to protect you are

• You meet an accident while riding cart and incur medical expenses
• Your cart slides from the trailer while driving on road
• Golf cart stolen
• Your driving cart injures someone

However, applying for an insurance coverage for carts has answers to these concerns and of course peace of mind for you.

What Do You Expect – Be Rational Yet A Lot More Is Available Than You Expect

A perfect insurance policy for your cart has a lot more to deliver and it is indeed designed to cover all your needs for protection. In addition, insurance service providers offer extended protection on the ride’s parts like stereo or headlight by adding riders to the policy. Some prominent coverage types available are

• Comprehensive Insurance Coverage – This type of coverage typically protects your golf cart from all types of non-collision damages. Such coverage covers loss from the occurrence of theft or fire. Insurance service providers offer comprehensive coverage based on the total price of the cart, year of the manufacture, and many such cost-governing factors.
• Collision Insurance Coverage – As the name explains, this type of coverage protects you during a loss due to a collision. This coverage is good especially during instances like when you collide with another cart or any other object for that matter.
• Bodily Injury Liability Coverage – This type of coverage helps to cover the loss due to bodily injury to another person. You may not pay medical expenses for the person from your pocket when you are covered with bodily injury liability insurance coverage.
• Property Damage Liability Coverage – This type of insurance coverage protects you when you are responsible for payment for loss due to accident. Damages to cars, house, or the other person’s assets are protected by the coverage.

Some Questions You Must Ask Your Insurance Agent Before Signing Policy

Insurance Coverage For Golf Carts is an important aspect and you need to buy it with care. Well, do not sign any document unless you ask following questions to your insurance agent and get satisfactory answers for the same.

• What is ideal medical and liability coverage for you?
• What is the highest affordable amount you can pay in case of loss due to theft or accident?
• What discounts are available to you?
• What is the standard procedure for filing a claim?
• What is the duration required for settling a claim?
• What add-ons or riders are available for me to enhance the coverage?