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When can I reapply for denied health insurance coverage?

Earlier this year I applied to Humana One for medical insurance. I was denied because I was diagnosed with ulcerative colitis in Dec. 2004. I have not been to a doctor since then for the condition, nor have I taken any medication since I was first diagnosed as the medication made me sicker, not better. I went alternative with aloe juice, digestive enzymes, ginger and probiotics. Changed my diet as well. I'm 43 and scared to death of not having insurance. I can't find a full-time job anywhere where insurance is even offered in this economy. I'm a writer and pastry chef. The state high risk insurance pool is anywhere from $680-1,200 per month. Does anyone know when I can apply and get accepted or is there any other alternatives? I don't qualify for medicaid.

Public Comments

1. The state pool prices are your best option.
2. Appeal the denial. However, you have to provide them with proof that you are okay. Argued that precondition should not be a condition for denial. This is so wrong!
3. You really need to talk to a local agent about this, and let them help you out with your options for YOUR STATE. But likely, you're NEVER going to be approved, with a private policy, to cover anything related to the ulcerative colitis. You'll be uprated, or the condition will flat out be excluded. If there ARE any other alternatives in your state, a LOCAL AGENT will be the one who knows them.