Getting a health insurance policy in Arizona can be difficult if you have pre-existing conditions. Unlike some other states, the health insurance companies that offer policies here in Arizona are allowed to turn you down if you have any of the health conditions that they don’t like. Cancer, diabetes, heart problems, kidney problems – these are just some of the pre-existing health conditions that these insurers don’t like. In actuality, if a health insurance company thinks that you are going to spend a lot of their money, they will not give you a policy, no matter how minor your pre-existing health condition may be.
Depending upon the severity of your pre-existing health condition or conditions, we may, along with your doctor’s assistance, be able to convince the insurance company that you aren’t really the high risk they think you are. Often, your doctor’s records may reflect that you have a certain pre-existing condition simply because you may have mentioned it to your doctor. You may have said something like, “I feel tired all the time” and your doctor wrote that into your medical records chart. We have had some success in convincing doctors to write letters to an insurer on behalf of their patient that has been declined, explaining some of the notations in his or her medical chart. Many times, this can be enough for an insurance company to change their mind and give you a policy.
If, on the other hand, you really do have severe pre-existing conditions like a recent heart attack or cancer, diabetes or other condition that truly does make you uninsurable here in Arizona, we market a guaranteed issue, limited benefit medical indemnity plan that accepts everyone who applies. The plan is not a major medical plan, but a defined benefit policy that pays certain dollar amounts for certain surgeries and conditions. If you find you have absolutely no options to obtain a major medical health insurance plan, contact us about this limited benefit indemnity plan, or click here for more details.
