emblem health care

emblem health care HIP DENIAL OF INSURANCE BECAUSE YOU GOT SICK Internet, New York

11th of Jul, 2011 by User260462

Health insurance companies, in an effort to contain costs, may decide to drop coverage for an insured patient whose care is more expensive than they want to pay. That is called health insurance policy rescission.Once the patient becomes sick, the insurer will carefully review his or her original application for coverage, find (what they consider to be) a discrepancy, then will claim the insured patient lied on his or her application. That gives the insurer legal permission to drop the claim.Problems develop for patients who have not intentionally lied on their applications, and for whom the insurer finds discrepancies that don't relate. For example, in a case in Texas, a woman's coverage was dropped after she developed breast cancer. The insurer rescinded her coverage by claiming she failed to disclose a visit to a dermatologist for acne - clearly unrelated.Further problems develop for patients who have paid premiums for a period time, but then have their coverage dropped after they get sick. The insurer doesn't bother reviewing the policy until after the person has been paying into the system. They are collecting money, but then not providing their promised services.

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