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LOVELY - I have been denied insurance coverage [View All]

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DeposeTheBoyKing Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Jul-25-08 05:11 PM
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LOVELY - I have been denied insurance coverage
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My insurance from my job lapsed, and I didn't do the COBRA thing. (I didn't return to work after a 3-month absence for herniated discs, but would have been laid off anyway had I returned). We applied to have me added to my husband's insurance during the open enrollment month. However, I got a denial letter today. No reason given, but I suspect it was due to the back problem. I also have high cholesterol which is being treated, as well as hypothyroidism, also under treatment. I can appeal, but do I really have a chance of success? I thought about contacting my orthopaedic surgeon who treated my back problem to see if he can write a letter on my behalf Naturally it's Friday afternoon and the office is closed, it being 5:11 now.

I don't like being without insurance. I feel I have to drive very, very carefully to avoid accidents and just hope nothing happens to me. Does anyone have any experience with this?

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  -LOVELY - I have been denied insurance coverage DeposeTheBoyKing  Jul-25-08 05:11 PM   #0 
  - Don't get sick!  XemaSab   Jul-25-08 05:12 PM   #1 
  - Thanks - that helps  DeposeTheBoyKing   Jul-25-08 05:13 PM   #2 
     - No, but really  XemaSab   Jul-25-08 05:23 PM   #5 
  - When did your insurance lapse?  turtlensue   Jul-25-08 05:17 PM   #3 
  - My insurance lapsed May 30th  DeposeTheBoyKing   Jul-25-08 05:18 PM   #4 
     - hey, you are still within your 60 days, do you have your proof of creditable coverage from  yellowdogintexas   Jul-25-08 09:54 PM   #9 
        - I don't know what a "proof of creditable coverage" looks like  DeposeTheBoyKing   Jul-25-08 09:57 PM   #10 
        - It says Health Insurance and Portability Protection Act at the top  yellowdogintexas   Jul-25-08 10:32 PM   #12 
           - I was opening everything from BCBSTX because I was having so many treatments done  DeposeTheBoyKing   Jul-25-08 10:37 PM   #14 
              - yes do it. You need that letter. nt  yellowdogintexas   Jul-25-08 11:15 PM   #15 
        - I just looked at the COBRA info I received at orientation  DeposeTheBoyKing   Jul-25-08 10:17 PM   #11 
  - how they can refuse you if you're legally married?  pitohui   Jul-25-08 07:31 PM   #6 
  - Yes, we are legally married and have been for almost 13 years  DeposeTheBoyKing   Jul-25-08 08:59 PM   #7 
  - I thought an employer plan wasn't allowed to reject you during the open enrollment.  eyesroll   Jul-25-08 09:12 PM   #8 
  - Havnt had insurance in  quakerboy   Jul-25-08 10:33 PM   #13 
  - My son has a disability and he was denied also.  Breeze54   Jul-25-08 11:19 PM   #16 
 

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