answersLogoWhite
Ask
Pacemakers

Does having a pacemaker make you uninsurable for medical insurance?

207208209
Answer

Top Answer
User Avatar
Wiki User
2015-07-15 21:40:12
2015-07-15 21:40:12

Yes, in the state of Tennessee it does. I have been denied by all independent agencies, and by TennCare, too. They all say I am uninsurable even though I have lifetime coverage on any and all heart problems through a workers compensation settlement.

Many people who are denied insurance use other alternatives.

If your employer has a group plan, that is your best bet. The advantage of a group plan is that pretty much everyone is accepted, regardless of health. If you can't get coverage that way, check with your state. Depending on where you live, you may be able to get coverage though a state program. In Colorado, I am under the state's "CoverColorado" program and in Wisconsin I was covered under "HIRSP". (I've had a pacemaker since I was 20.) Check out your state's department of health for available programs. It seems that not all states have such programs in place, though I know a few (like Tennessee) are in the process of implemeting such a program.

1
0

Related Questions

User Avatar

Having personal medical insurance is beneficial to cover any medical issues that may arise. While it may cost a premium, having insurance is reassuring in times of sickness.

User Avatar

Having medical malpractice insurance is extremely important for doctors. This insurance will protect the doctor in the case of any law suits against him or her.

User Avatar

"Some of the advantages of having a health insurance policy are that if one happens to get sick, they will be covered by their medical insurance. If one is not covered the costs for medical care can be detrimental."

User Avatar

The benefit of family medical insurance above individual medical insurance, is that your premiums are much lower and the whole family is covered, instead of having to take out separate policies for everyone.

User Avatar

No it doesn't. If you need a pacemaker due to having tachycardia(heart speeds too fast) or bradycardia (heart slows), life insurance is available with a number of impaired risk life insurance companies. the following pacemaker life insurance info may be helpful http://www.lifeinsuranceadvisors.com/pacemaker.html The main concern for life insurance companies is the risk of infection after the pacemaker is implanted. With that being said, most companies will postpone you for life insurance for a period of 3-6 months after implant. Once this time passes, you may be able to get a policy at "standard" rates or a table rated policy. All you can do is check with the companies... There's a price for everything.


Copyright © 2020 Multiply Media, LLC. All Rights Reserved. The material on this site can not be reproduced, distributed, transmitted, cached or otherwise used, except with prior written permission of Multiply.