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| *Loan,banking and credit>>>health insurance |
All Lawyers or legal experts: please answer this question for me- it's regarding health insurance? |
Can I sue a private health insurance company if they reject me for coverage, when I used to be a member? Any lawyers in the field of malpractice, health insurance, or negligence: I would love to hear from you on this matter. This is my situation. I am 31 years old, a FT student, with a disability due to OCD. I was under my Mother's policy with Kaiser Permanente for the past some twenty years until only a few months ago. They canceled me from the policy (it was a family policy, including my Mom, step dad, and myself) all of a sudden, without a proper explanation. I then tried to get a policy for just myself through Kaiser, and they rejected me. They refused to allow me coverage, on the grounds that I am 'obese' and I have hypertension. I can't contest those facts. I weigh apx. 270 pounds, and I am five foot ten. I do have extremely high blood pressure. But I have experienced a lot of mental anguish over their refusal to allow me coverage. I desperately need my medications. In general you cannot force a health insurance company to insure you unless you are part of an affinity group: i.e., you are insured through an employer or trade association. This is true even though you may have been insured as part of a famiily or otherwise, except as your rights are preserved under COBRA, usually for a limited time. Some states may have particular laws that make insurance available, but that won't assure that it is affordable to you. Source(s): http://www.latimes.com/news/local/la-fi-... (LA Times) http://groups.google.com/group/alt.lawye... (NY Times - Krugman) I'm not a lawyer.. but I'm pretty sure they cannot cancel you without cause and explanation. There has to be a reason, a just one at that. That's where maybe you can sue if it's not legit reason. They do have right to refuse coverage if you are not currently covered though. man up fatty girl what costs more you on ssi because you went blind from diabetes but died at 38 years old of a heart attack or you collecting social security between the ages of 65 until you die at age 77. man up fatty girl!!!!!!! |
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