| To understand your problem is to understand state | | | | conditions that caused "declined health insurance". The |
| health insurance regulations in Utah. They allow | | | | trade off is beneficial for people that are not being |
| insurance carriers to decline and or rate up pricing for | | | | actively treated for the medical condition that caused |
| private health insurance based upon certain health | | | | the decline in the first place! You have to understand |
| conditions which cause you to be labeled uninsurable. | | | | that logic does not apply with an normal healthy person |
| This is very much different than employer offered | | | | being declined for a medical condition or use of |
| insurance which is controlled by federal laws that | | | | prescriptions in the past. The state insurance |
| prohibit denial of coverage for health conditions. Most | | | | regulations allow these declinations. We have always |
| people get stuck in this "denial jam" if they are | | | | said that if in the next life there is not a hell...there |
| between jobs or self employed. The good news is | | | | should be just to burn underwriters! Many people can |
| that coverage is available EVEN with carriers that | | | | actually secure a reputable health insurance policy to |
| may have declined you already. You just have to | | | | cover them for everything else and elevate the risk of |
| know how to secure it. | | | | going "Uninsurable". We can make recommendations |
| What is "High risk health insurance"? You can define | | | | of getting prescription coverage as long as you take |
| this in several ways such as coverage obtainable from | | | | the responsible step of securing a health insurance |
| three sources. Source 1 would be from a COBRA | | | | policy to hedge off financial disaster. |
| policy. COBRA policy is usually very expensive with | | | | At BenefitsManager.net we like to clarify and warn |
| the trade off being that your medical conditions are | | | | Utah residents of the following: |
| covered for at least 18 months. From a underwriters | | | | What "High risk health insurance" IS NOT! Basically any |
| perspective, COBRA is a high risk insurer proposition | | | | type of indemnity insurance policy. Many reputable |
| because of the carrier being locked into liability of claim | | | | carriers such as AFLAC and ALLSTATE offer these. |
| payments for 18 months. Most COBRA premiums run | | | | They are normally called hospital plans, accident plans, |
| around $900 per month for a middle aged family. | | | | cancer policies, etc. These are not functioning health |
| Source 2 would be with the STATE HIGH RISK | | | | insurance policies! They only pay a limited and or |
| POOL. You would qualify for that if you didn't have | | | | specified amount of money per occurrence. They will |
| access to COBRA benefits or a private health | | | | not cover the costs of treatments or the bills |
| insurance policy. They require you to be declared | | | | associated. Unfortunately much mis-representation |
| "uninsurable" by private health insurance issued by | | | | takes place in the market of how these policies |
| either ALTIUS, SelectHealth Plans (IHC) and Regence | | | | actually work. |
| BlueCross BlueShield of Utah. | | | | Discount health plans are dangerous and currently |
| The premium for the state pool is around $400 per | | | | under investigation by the Utah State Insurance |
| month per family member whom is determined to be | | | | Department. We must make it clear that these type of |
| uninsurable. Only the uninsurable family members will | | | | plans are NOT insurance. They only give you access |
| be issued a policy through this program. The other | | | | to a limited doctor panel that will agree to treat you at |
| insurable family members would have to secure a | | | | a discounted rate. Currently there are several entities |
| policy through channels such as ALTIUS, SelectHealth | | | | making claims that it is an insurance policy which in fact |
| Plans (IHC) and Regence BlueCross BlueShield of | | | | they are not and they have not been approved so by |
| Utah. The State high risk pool deductible is around | | | | the Utah State Insurance Department. These discount |
| $2,500 with options of 50/50 coinsurance. Source 3 | | | | health plans do not meet the basic definition of |
| would be a INTERIM or SHORT TERM policy. | | | | insurance policy. Nor do they provide coverage for |
| Typically the coverage is very low priced if the insured | | | | medical conditions or the definition here in. |
| agrees to accept a medical rider for the health | | | | |