Serious health insurance question

[kedrys]

The s.o. just got turned down for health insurance on the grounds of preexisting conditions (specifically generalized anxiety disorder and fibromyalgia), and polypharmacy (i.e. lots and lots of assorted drugs). I happen to think the underwriters are full of shit on this one, but I'm not sure how to build my case for a rebuttal, other than we have a certificate of insurability from the previous insurer (a change of jobs led to the s.o. getting dropped), and we've never filed any claims more serious than maintenance visits/checkups and drug benefits.

I am NOT looking for medical advice, just some way to convince these assholic beancounters that they're WRONG. Any ideas?

[NNadir]

1. It depends on what state you're in I think.

In some states it is against the law to deny insurance on the grounds of "pre-existing conditions..."

[Burma Jones]

2. Agreed.....

[kedrys]

7. Texas, for some inexplicable reason

I'll look into this, though. I'm not going down without a fight on this. It's absurd that the only people who can readily get insurance are those who don't need it/don't use it.

[ThomCat]

3. Does anybody know if this violates the ADA?

Denying insurance this way clearly discriminates against people with disabilities, but it is legal or illegal under the American's with Disabilities Act?

[elehhhhna]

4. Contact your state Board of Insurance immediately --

they can answer your question and when they get involved the ins. companies usually snap-to immediately. Good luck.

[NewJeffCT]

5. I agree with this approach

Having worked in the insurance industry (as an accountant), the company will generally bend over backwards if the state makes a request of them. If they don't, they risk having the state make life miserable for them.

[kedrys]

6. That's a good idea, thanks!

I'll not hold my breath, since we're in Texas, but anything is worth a shot. :)