Health Insurance Story – My Personal Quest For Health Insurance Against All Odds

I had a really hard time getting health insurance for me and my family. I had insurance through my employer but when I lost my job and couldn’t afford the COBRA payments, I lost my health insurance. Not having health insurance is very scary when you have a wife and four children to take care of.

I applied for individual insurance through a local agent. I went through the application process and submitted everything back to the agent online.

I submitted our application and waited to hear back. When he finally got back to me he told me that we were declined coverage because of “pre-existing conditions.” I had some back problems in the past and I guess the insurance company didn’t want to take the chance that I would need more treatment or surgeries. Anyway, bottom line, we were declined.

I found a website ran by a local Blue Cross agent. After filling out the application on this new site I was contacted by the agent who ran the site. He told me that if I could qualify as a “group” the pre-existing conditions wouldn’t apply and that I would not be declined coverage. I had an LLC that I had filled a few years prior. My wife and I use it to run a few different business. Anyway, we submitted the application as a group according to that agent’s advice.

About a week after we subitted the application and all the supporting documentation to prove that we actually did own and opperate a business under that LLC, we had health insruance! I was very happy with the way things went and very greatful to have a knowledgeable agent to guide us through the process. The policy we got was great because it paid out at 100% after we met our deductable. We ended up not having to pay for about $20,000 in medical expenses that year! What a great decision that was.

Having the ability to apply for health insurance online is very quick and convenient. However, it’s also nice to have access to an agent that know the in’s and out’s of health insurance.

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