Thursday, May 07, 2009

Getting Dropped from the Side, or Dealing with a declined HI App

We've all been dropped from the starting side. It sucks.

We have two options:

1. Bitch
2. Work Harder, and get back on the XV

This happens also when applying for Health Insurance. Sometimes, you get declined.

Again, two options:

1. Bitch
2. Realize that you were declined for THAT plan, and that others exist.

In CA, if you're declined HI, then the carrier must provide you some guarantee issue options. Yes, they will be more expensive, but you'll have coverage.

(My guess is you went with a cheap plan, and they tend to have higher underwriting reqs, at least from my observation.)

So, wait until you get the letter from the Carrier, then assess your options.

You can get back on the pitch. You merely need to work a little harder.

No comments:

Post a Comment