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You Have Been Declined for Health Insurance in California, Now What?
If you are reading this then you probably have been declined for medical health insurance in the recent past. When you get declined for medical health insurance it probably has something regarding your health background. Since California is probably the underwritten states health care companies have the right to declined people for medical health insurance. Who medical health insurance company might decline and who it could not all depends on risk assessment using actuarial tables. Anytime once you fill out individual application for coverage of health and answer yes using one of the medical questions your application might be manually reviews by among the underwriters. It is just a one who is responsible to reviewing application using actuarial tables. Actuarial tables are statistics done by the insurance companies, hospitals, doctors, researchers that predict the price of insuring somebody with a specific medical history.

Some states like New York, New Jersey and Washington require insurance companies to insure everyone. Those three states don't have medical underwriting and many people are automatically approved for coverage of health. So as to insure everyone with medical history insurance companies increase rates to the stage where it becomes un-affordable to most people. What keeps the common monthly premiums low is low usage of health care. If there are more people with high medical insurance utilization with a particular health insurance company they need to raise the rates for everybody to keep up with paying medical claims. That also drives individuals who do not use health insurance that often to drop medical health insurance all together and yet driving rates even higher. This leaves no choice for insurance carriers but to operate a vehicle rates even higher. NY, New Jersey and Washington have highest premiums for medical coverage and lots of families find healthcare out of reach.

In California if you have been declined for health coverage you have options. If you out of job or currently on low income it is possible to be eligible for Medical and assuming you have kids they can be eligible for an application called Healthy Families. Most states including California have risky pools that are created for people who have been declined for individual medical health insurance. In California the program is called MRMIP. Just the quick search on the web will guide to a government website. MRMIP is really a program that is managed by hawaii and your big name medical insurance providers take part in it. You can keep the same health insurance company in case you are already use to them. MRMIP program has limits also it might have a waiting period.

The most effective options might be with regards to getting the most coverage for your money is through a group plan. In hawaii of California all group plans for legal reasons are required to be a guaranteed issue. That means that there surely is no medical underwriting. This options requires more work from you. Insurance firms are not just going to let you setup a group plan when you have been declined for individual medical health insurance. Since insurance companies must insurance everyone who is the main group state requires insurance firms to have rules when it comes to setting up a group plan. Some of the basic requirements change from the insurance provider to the insurance company.

The best way to find out is talk to insurance broker. The basics that insurance companies will be looking for are that you have to have grounds for starting a group plan other then getting medical insurance. It is illegal to start out a group plan just to get health insurance. Which means that you must have a business and that could be anything. To have a group plan you obviously need to have more then just yourself It requires at least two people to start a group plan. Additional info who are likely to be on the group plan are either need to be the owners of the business or have to be on the payroll. Some insurance companies require either a DE-6 form or six weeks of payroll records. If everyone if the owner you then will be necessary to provide proof of the ownership listing everyone that will be on an organization plan as the owner. This may not be simple but is is obviously doable and it is definitely worth it if you do not have any coverage and cannot get it on your own.

It is always easier to just blame the insurance company they have declined you for health coverage. If you have been declined and are looking for medical health insurance you just have to be more proactive in getting the coverage. Once you utilize a broker on getting on the requirements on setting up a group plan then it is forever yours no one can take that coverage away from you unless you stop paying for it.

When you have been declined for health insurance in California consider getting applying for Kaiser group medical health insurance [http://www.healthcoveragequotes.com/group-health-insurance-plans]. Kaiser Permanente is number 1 rates health care provider and has one the most linient requirements for starting group health insurance plans [http://www.getmymedical.com/group-health-insurance-plans].
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