a common question we hear in our customercare center is, "my application for health insurance was just declined. i thought theaffordable care act would make that illegal." well, starting on january 1, 2014, insurancecompanies will not be able to decline your application for health insurance because youhave a pre-existing medical condition or for any other health related reason. between nowand then if your application for health insurance was declined, we'd encourage you to take thefollowing steps: 1. talk to one of our agents. just becauseone insurer declined you doesn't necessarily mean they all will. let us see if we can findyou major medical coverage somewhere else. 2. investigate state high-risk pools. theaffordable care act set up temporary high-risk
pools to augment existing state pools. thesepre-existing condition insurance plans, pcips, are no longer accepting applicants, but yourstate high-risk pools may be. 3. investigate alternative types of insurance.comprehensive major medical insurance is the best type of coverage to have. but if youcan't enroll today due to a health problem, investigate things like short term healthinsurance or accident insurance as a way to get you through the rest of 2013 until coverageis guaranteed in 2014.
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