My insurance was denied!!

Pamster · 04-09-2008, 06:37 PM

I cannot believe this right now. I got a letter in the mail saying that they did not approve my application because of medical reasons. I am only 22 years old and I am NOT overweight. I have had 2 minor surgeries in the past 3 years and I am not a smoker. The only reason I can think of that they would deny my application is because of PCOS - for which I am receiving minimal treatment from any doctor. Can you believe this happened to me? It is ridiculous! Now I don't know what health insurance to even look for

I am so mad, because I AM HEALTHY! I hardly EVER go to the doctor!

mahjab · 04-09-2008, 07:07 PM

Loser insurance company! I've had bad luck with Blue Cross....do nnnoooot ever go with them. they charged me like a million dollars premium, plus co pay and in the end they still billed me over 200 bucks for just two visits!

Pamster · 04-09-2008, 07:50 PM

That is the company that I applied to! Blue Cross/Blue Shield. I even had them previously under my Father's employment insurance! Those jerks! Anyone have any recommendations on where to go next?

LilBitMagoo · 04-09-2008, 08:31 PM

I don't know anything in particular about this company but I have seen them advertised on TV. You could give them a try http://www.cinergyhealth.com/health-insurance-plan.asp

Hope things work out for you.

sue_trask · 04-10-2008, 08:58 PM

i have blue cross and they been real great for me.

Tiffers1984 · 04-11-2008, 04:06 PM

Look in to Assurant Health. I had it for awhile. They offer HSA Accounts which I love. I got employer insurance now or else I would have kept it. My twin still has it.

Hezzer · 04-11-2008, 04:07 PM

Quote:

Originally Posted by Pamster

The only reason I can think of that they would deny my application is because of PCOS - for which I am receiving minimal treatment from any doctor.

I would say it's most definitely because of the PCOS. As soon as they see that they think diabetes, infertility treatments, etc. and think that you're too much of a high risk.

lexibelle · 04-15-2008, 07:42 AM

It could also be the Effexor that you're on. If I'm not mistaken, insurance some insurance companies will deny you if you have a history/recent history of anti-depressants. Not to mention if you've been on Metformin (even if it wasn't for IR and just for IF), you've got a much better chance of being denied.

The reason you had no problems when you were on your Dad's insurance is because it was through his work. Group plans through employers very, very rarely require you to 'qualify'.

Sorry I don't have any advice for an insurance to go for - I'm in much the same boat.

dragonfaery73 · 04-16-2008, 10:28 PM

I don't have any for health all I know is rx insurance, Aetna is almost always horrible when it comes to rx's. (Through work I have Aetna health and Walgreens rx.) Medco tends to be really easy to get rx overrides for any reason (the main health associated with them is united healthcare), Humana, and united healthcare health rx ins. are usually pretty okay, Blue cross, aetna, are both pretty bad when it comes to rx's. It is cheaper for bf to sign up for walgreens perscription savings club than it is to pay for meds through blue cross. Ummm...

sonnet 18 · 04-17-2008, 01:56 PM

I hope you find a company soon. I don't have insurance , it is really hard to manage. I pray everyday I'll stay well- because I can't get sick!

It is a major bummer!

KLB9278 · 04-24-2008, 05:39 PM

Hello,

Please remember that not all blue cross/shield companies are the same. They all operate independently. Therefore the BCBS here would not be the same BCBS across the country.

Although, I have to say I am not happy with my BCBS right now either!!!! so, I guess they are not the same but they still MIGHT all stink LOL

rajuncajun9320 · 04-27-2008, 01:04 AM

Blue Cross can be a bit hard to deal with. I used to work for them and still have their insurance through the schoolboard. Generally Blue Cross doesn't decide what prescriptions you can have they just administer the benefits for Medco, or at least that is the way it is here.

I hope you can find something. If they think you are taking Effexor for mood, anxiety or anything like that they won't cover you because most individual insurance plans do not have any benefits for mental and nervous and they would probably assume that Effexor would fall under that even if it were for PCOS.

I'm sorry you're having a hardtime.

RobinC · 04-27-2008, 03:22 AM

You might consider finding a broker to do the leg work for you. I use one for work (I do HR), but I have recommended her to several family and friends that needed individual coverage and she has been great at finding it for them. They don't charge you anything, they get their cut from their insurance company.

Mermaid_Girl_82 · 05-09-2008, 01:29 AM

BC/BS did not deny me back when I applied with them, but they did increase the rates due to PCOS -- they told me so in a letter! Best of luck with getting insurance, it is really important to have it! In the meantime, if you were able to seek some care and have some prescriptions, try Wal-Mart's pharmacy or Target or other low cost pharmacies...$4 for Metformin!

janana · 05-12-2008, 11:43 PM

Hi all!! I'm new to this, but it just so happens that something really frustrating happened to me today... which inspired me to make the leap to post. Now if I may vent...

Screw BC/BS...!!! I was just informed today that I was denied ONLY because of my PCOS. I spoke with the underwriter who specifically denied me, and she more or less told me that there were other reasons, but the PCOS is what stopped me from getting coverage first and foremost.
I understand that PCOS is tied to a lot of potential for other diseases/ailments, but if she would have taken the time to do her research, she would have known that I was diagnosed 4 years ago and have had nothing else diagnosed since then--with extensive testing done yearly to monitor me. So why, if the only medication and treatment I've had since I was diagnosed is birth control, is it such a big deal to give me coverage?? There are a lot of girls on birth control for many different reasons... not to mention the THOUSANDS of girls with PCOS. Are they going to deny them all?? I'm so frustrated with health insurance... makes me want to pack up and move to a different country. Most any country has better health care than the US.
....AND.... since I knew I had the potential for a 'pre-existing condition' I agreed to pay the higher premium for the first year. WHY doesn't this condition fall under that agreement?? Ugh, the frustration!

04-09-2008, 06:37 PM	#1 (permalink)
Pamster Sexy Hamburger Join Date: Jun 2007 Location: Delaware Posts: 119 Points: 2,227.13 Bank: 4,602.02 Total Points: 6,829.15 Donate	My insurance was denied!! I cannot believe this right now. I got a letter in the mail saying that they did not approve my application because of medical reasons. I am only 22 years old and I am NOT overweight. I have had 2 minor surgeries in the past 3 years and I am not a smoker. The only reason I can think of that they would deny my application is because of PCOS - for which I am receiving minimal treatment from any doctor. Can you believe this happened to me? It is ridiculous! Now I don't know what health insurance to even look for I am so mad, because I AM HEALTHY! I hardly EVER go to the doctor! __________________ Age: 22 Dx 2 Phylloids Tumors Left Breast - Surgical Biopsy May 2006 and November 2007 Dx PCOS Fall 2006 Current Meds: Effexor 75mg, Saw Palmetto, Flax Seed Oil

04-09-2008, 07:50 PM	#3 (permalink)
Pamster Sexy Hamburger Join Date: Jun 2007 Location: Delaware Posts: 119 Points: 2,227.13 Bank: 4,602.02 Total Points: 6,829.15 Donate	That is the company that I applied to! Blue Cross/Blue Shield. I even had them previously under my Father's employment insurance! Those jerks! Anyone have any recommendations on where to go next? __________________ Age: 22 Dx 2 Phylloids Tumors Left Breast - Surgical Biopsy May 2006 and November 2007 Dx PCOS Fall 2006 Current Meds: Effexor 75mg, Saw Palmetto, Flax Seed Oil

04-09-2008, 08:31 PM	#4 (permalink)
LilBitMagoo LilBitMagoo Join Date: Feb 2008 Location: Kansas Posts: 90 My Mood: Points: 1,237.69 Bank: 0.00 Total Points: 1,237.69 Donate	I don't know anything in particular about this company but I have seen them advertised on TV. You could give them a try http://www.cinergyhealth.com/health-insurance-plan.asp Hope things work out for you. __________________ dx 1/29/08 BCP Loestrin24Fe To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.

04-10-2008, 08:58 PM	#5 (permalink)
sue_trask Registered User Join Date: Sep 2001 Location: iowa usa Posts: 316 My Mood: Points: 6,418.07 Bank: 0.00 Total Points: 6,418.07 Donate	i have blue cross and they been real great for me. __________________ me 27 dx 1993 dx with diabetes type 2 dx with hyprotyriodism dx with fibromyalgia dzt provera (havent started yet but will) hydrocodone (when i have to) tramadol/apap generic for ultracet cymbalta 30mg for a wk then 60mg cyclobenzapr 5mg yahoo: kissablesweetie50530 msn: To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.

04-11-2008, 04:06 PM	#6 (permalink)
Tiffers1984 Registered User Join Date: Mar 2008 Location: Mississippi Posts: 161 My Mood: Points: 387.58 Bank: 5,657.52 Total Points: 6,045.10 Donate	Look in to Assurant Health. I had it for awhile. They offer HSA Accounts which I love. I got employer insurance now or else I would have kept it. My twin still has it. __________________ Diagnosed 3/2008 Meds Spiro 100mg Met 500mg & increasing Yaz “According to a recent survey, men say the first thing they notice about a woman is their eyes, and women say the first thing they notice about men is they're a bunch of liars”

04-09-2008, 07:07 PM	#2 (permalink)
mahjab Registered User Join Date: Jun 2004 Posts: 131 Points: 3,321.99 Bank: 0.00 Total Points: 3,321.99 Donate	Loser insurance company! I've had bad luck with Blue Cross....do nnnoooot ever go with them. they charged me like a million dollars premium, plus co pay and in the end they still billed me over 200 bucks for just two visits!

04-15-2008, 07:42 AM	#8 (permalink)
lexibelle Registered User Join Date: Sep 2007 Location: Central, FL Posts: 206 My Mood: Points: 241.95 Bank: 10,986.22 Total Points: 11,228.17 Donate	It could also be the Effexor that you're on. If I'm not mistaken, insurance some insurance companies will deny you if you have a history/recent history of anti-depressants. Not to mention if you've been on Metformin (even if it wasn't for IR and just for IF), you've got a much better chance of being denied. The reason you had no problems when you were on your Dad's insurance is because it was through his work. Group plans through employers very, very rarely require you to 'qualify'. Sorry I don't have any advice for an insurance to go for - I'm in much the same boat. __________________ Me & DH (both 27) TTC Since 9/2007 Currently taking: Pre-Natal Vitamins B-6 & B-12 Garlic SlimQuick Herbal Formula MiCardis HCT (for high BP) To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.

04-16-2008, 10:28 PM	#9 (permalink)
dragonfaery73 Registered User Join Date: Apr 2008 Location: Florida Posts: 11 Points: 272.04 Bank: 0.00 Total Points: 272.04 Donate	I don't have any for health all I know is rx insurance, Aetna is almost always horrible when it comes to rx's. (Through work I have Aetna health and Walgreens rx.) Medco tends to be really easy to get rx overrides for any reason (the main health associated with them is united healthcare), Humana, and united healthcare health rx ins. are usually pretty okay, Blue cross, aetna, are both pretty bad when it comes to rx's. It is cheaper for bf to sign up for walgreens perscription savings club than it is to pay for meds through blue cross. Ummm...

04-17-2008, 01:56 PM	#10 (permalink)
sonnet 18 Registered User Join Date: Apr 2008 Location: Northeast Tennessee Posts: 5 My Mood: Points: 133.96 Bank: 0.00 Total Points: 133.96 Donate	No insurance I hope you find a company soon. I don't have insurance , it is really hard to manage. I pray everyday I'll stay well- because I can't get sick! It is a major bummer!

04-24-2008, 05:39 PM	#11 (permalink)
KLB9278 Registered User Join Date: Apr 2008 Posts: 16 Points: 526.59 Bank: 0.00 Total Points: 526.59 Donate	Hello, Please remember that not all blue cross/shield companies are the same. They all operate independently. Therefore the BCBS here would not be the same BCBS across the country. Although, I have to say I am not happy with my BCBS right now either!!!! so, I guess they are not the same but they still MIGHT all stink LOL

04-27-2008, 01:04 AM	#12 (permalink)
rajuncajun9320 Registered User Join Date: Apr 2005 Location: Louisiana Posts: 667 My Mood: Points: 64,607.07 Bank: 0.00 Total Points: 64,607.07 Donate	Blue Cross can be a bit hard to deal with. I used to work for them and still have their insurance through the schoolboard. Generally Blue Cross doesn't decide what prescriptions you can have they just administer the benefits for Medco, or at least that is the way it is here. I hope you can find something. If they think you are taking Effexor for mood, anxiety or anything like that they won't cover you because most individual insurance plans do not have any benefits for mental and nervous and they would probably assume that Effexor would fall under that even if it were for PCOS. I'm sorry you're having a hardtime. __________________ Married 07/25/1996 Jacob born 09/19/1996 Evan born 08/22/2006 Metformin 500 Mg. 2 X's a day "Those who dare to teach must never cease to learn." Evan 5 months old 18lbs 5 ounces 25 1/4 inches long To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.

04-27-2008, 03:22 AM	#13 (permalink)
RobinC Registered User Join Date: Aug 2007 Location: San Diego Posts: 35 My Mood: Points: 586.39 Bank: 0.00 Total Points: 586.39 Donate	You might consider finding a broker to do the leg work for you. I use one for work (I do HR), but I have recommended her to several family and friends that needed individual coverage and she has been great at finding it for them. They don't charge you anything, they get their cut from their insurance company.

05-09-2008, 01:29 AM	#14 (permalink)
Mermaid_Girl_82 Registered User Join Date: May 2008 Posts: 11 My Mood: Points: 460.22 Bank: 0.00 Total Points: 460.22 Donate	BC/BS did not deny me back when I applied with them, but they did increase the rates due to PCOS -- they told me so in a letter! Best of luck with getting insurance, it is really important to have it! In the meantime, if you were able to seek some care and have some prescriptions, try Wal-Mart's pharmacy or Target or other low cost pharmacies...$4 for Metformin! __________________ *The Mermaid* To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.

05-12-2008, 11:43 PM	#15 (permalink)
janana Registered User Join Date: May 2008 Posts: 1 Points: 114.92 Bank: 0.00 Total Points: 114.92 Donate	Hi all!! I'm new to this, but it just so happens that something really frustrating happened to me today... which inspired me to make the leap to post. Now if I may vent... Screw BC/BS...!!! I was just informed today that I was denied ONLY because of my PCOS. I spoke with the underwriter who specifically denied me, and she more or less told me that there were other reasons, but the PCOS is what stopped me from getting coverage first and foremost. I understand that PCOS is tied to a lot of potential for other diseases/ailments, but if she would have taken the time to do her research, she would have known that I was diagnosed 4 years ago and have had nothing else diagnosed since then--with extensive testing done yearly to monitor me. So why, if the only medication and treatment I've had since I was diagnosed is birth control, is it such a big deal to give me coverage?? There are a lot of girls on birth control for many different reasons... not to mention the THOUSANDS of girls with PCOS. Are they going to deny them all?? I'm so frustrated with health insurance... makes me want to pack up and move to a different country. Most any country has better health care than the US. ....AND.... since I knew I had the potential for a 'pre-existing condition' I agreed to pay the higher premium for the first year. WHY doesn't this condition fall under that agreement?? Ugh, the frustration! __________________ To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. Chiquita Janana Banana Hammock To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. Last edited by janana : 05-13-2008 at 12:08 AM.

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