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Unable to Obtain Health Insurance in my Twenties?

Posted Dec 17 2009 12:00am

Next month at this time my husband will be a full time student for 2.5 years. So, we are searching for health insurance during that time. Unfortunately, I have a past diagnosis on my medical record. I guess it shouldn’t have been a shock when Health America rejected me in less than 48 hours, but I was surprised because I am now off medications, receiving minimal care, with significantly reduced medical costs. After much time spent filling out questionnaires, it occurred to us that the diagnosis was probably the trigger resulting in denial. Even though I made drastic changes in my life to re-coop my health, avoiding myself and insurance companies large medical bills, there may be no reward for reduced medical needs through lifestyle intervention. It seems some insurance companies exclude individuals with a blemished record, so that those of us requiring care have few options. Hopefully the health care reform bill will correct the insurance companies’ ability to collect large premiums from the “healthy” while neglecting individuals who seek medical assistance and strive to make their lives well. Have we reached a point where our health is defined by old medical records verses the day to day choices integrated into a healthy lifestyle?  I would love to hear your thoughts on the subject…

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