What Can I Do If I'm Declined For A Medicare Supplement Plan?
What Is A Medicare Supplement Plan?
A Medicare supplement plan is insurance that you buy to supplement the insurance that is provided by Medicare. There are a number of flaws in the Medicare system, and not everything is covered. Therefore, many choose to buy a Medicare supplement plan in order to make sure that they have all their bases covered in an insurance situation.
Is Everyone Qualified For Supplemental Insurance?
Not everyone is able to receive a Medicare supplement plan. Some people may just be denied coverage because they are viewed as too much of a threat to the health insurance company. Remember, the company does not want to have to pay any more claims then it absolutely must. Therefore, they will routinely deny people coverage who seem like they might be likely to make a lot of insurance claims.
What Do I Do If I Am Denied?
There is not a lot you can do in the way of fighting it if you are denied coverage. What you can do is search for other ways to make sure that all of your health needs are covered. The easiest way to do this is to try to buy up as much insurance as possible. Although you may have been denied for one supplemental plan, you may still qualify for another. Your status can also vary from company to company, so you shouldn't give up after being denied by the first one. In some cases you may have exhausted all options and have no other choice but to accept being uninsured. This is the worst case scenario and it is one that you want to try to avoid at all costs. At very list, look into low cost government health insurance programs that may be able to help.