Pre-exisiting conditions and current lifestyle habits are both reasons for coverage denial. Additionally, the commission of insurance fraud may be a reason.
In general, all insurers have "underwriting guidelines" which define the parameters of the risks that they are willing to assume. If your health or related conditions do not fit within those parameters, you may be denied. Note, though, that the law of the state involved may prohibit the insurer from relying upon one or more reasons for denying an application for coverage.
Generally, the state insurance regulator must approve the underwriting guidelines that the insurer employs as a condition of getting authority to conduct business in the state.
lost of reasons, bad health, old age, dangerous job, family history. i am sure there are more.
you go get a lawyer . :)
No, because group insurance is normally guaranteed-issue, so they have to insurance no matter what conditions you have.
No, an insurance company will generally not use the availability of employer-sponsored health insurance as a criteria in determining your eligibility for a private policy. Agent http://www.anyhealthinsurance.com
Generally yes. Most employer coverage is guaranteed issue. If you applied for an individual coverage and were denied for underwriting reasons that should have no effect on the employer plan. In fact, it is common for someone with an uninsurable condition to make the availablility of health insurance a prime consideration when looking for a new job for this very reason.
Children may stay on their parents insurance until age 26. People cannot be denied health insurance for pre-existing conditions Everyone must buy health insurance.
There are many reasons that Health Insurance is so expensive. Some reasons are the cost of prescription medicines are high, and also the Health Insurance companies need to make a profit as well.
No, true Group insurance cannot deny enrollment for health reasons.
Insurance reasons health and safety
In California small group plans are guaranteed issue, which means you would not be denied. The HR person of his prospective employer would be able to tell you if they have a guaranteed issue plan.California has the Major Risk program too. If you live in another state, you can check their insurance programs online.
I don't think mental health prevents you from obtaining or increasing home owners insurance. I have never heard of this happening and it seems like it would be unfair.
What kind of Insurance?