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Also, once you have been denied by one private company, they seem to have communication between them, like a red flag once you apply to the next one.
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There is something called the Medical Information Bureau that it gets reported to. I was denied by three companies in FL. The first one reported to them. The second one agreed not to report but the first one is still on there. It's worse than having bad credit. I finally got insurance with another companie when I lied on the app but then I later learned that had they covered anything and paid anything out they would have dug through my background and found out about everything. And they WILL want their money back. I have actually seen a case where a person lied on an app and had a heart condition. The insurance company was suing her to get their $$$ back.
We have a state policy for high-risk you can get on in Louisiana if you have at least two refusals in the past two months or something. So I'd have to apply (which costs money) and get refused twice more (on my record again) and then apply for that. And the cheapest policy is like $250/month with a $5000 deductible and there are TONS of exclusions on what it covers. It's a damn joke.