If you've been denied for individual health insurance in Utah, there are several quality coverage options you can explore. Here are three of the most common:
High Risk Pools
High risk pools are designed to cover people who have ineligible pre-existing conditions and/or have been denied health insurance in the private market. They are typically state funded programs and eligibility is not based on income.
Although health insurance through high risk pools can be more costly than private insurance, the fact that you can't be denied for medical conditions carries a lot of value. The coverage, while often not as comprehensive as private plans, is still more than sufficient for most people's needs. Contact your agent for more information about Utah's high risk pool.
Temporary Health Insurance
Temporary health insurance plans can provide excellent short term protection for people who have been denied health insurance. While most short term plans don't cover pre-existing conditions, they can be used as a temporary protection against unpredictable catastrophic medical expenses.
Temporary health plans are ideal for someone who knows they'll have permanent health insurance in the near future (through an employer or other source). They are not meant to be used long term.
Employer Sponsored Plans
Group plans, or employer sponsored plans, are a great option for people with pre-existing conditions or people who have been denied health insurance in the private market. Employer sponsored plans are guaranteed issue, meaning that you can't be denied due to pre-existing conditions.
In order to qualify for an employer sponsored plan, you must work full time for an employer that offers health insurance, and make it through the company's health insurance waiting period. Group plans are an excellent way to get guaranteed issue coverage after being denied.
The three ideas above are only a few of the many options you can explore. Find out about more options for people who have been denied health insurance because of pre-existing conditions by visiting our webpage to learn about options for people who have been denied health insurance for pre-existing conditions.
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