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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

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Effect of declined health coverage

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: I have recently been approved for a short term health plan. After reading over the information I have a few questions. It asked during the application process, if you have every been turned down for insurance. At the time I had not been turned down, however a few days after I filled that out I was turned down by another company? Will this effect my coverage? Also I am taking Lipitor, will this effect my coverage?

A: No, the decline has no effect on your current short term medical insurance coverage; this is why it is important to be enrolled in a short term health plan before applying for a medically underwritten insurance. Be careful of applying for insurance without knowing the eligibility criteria. When you have a pre-existing medical condition, it always makes sense to speak to a qualified enrollment adviser before submitting an application. If you are uncertain, have the adviser mark the application as an inquiry to avoid the risk of a declined application. A decline has a harmful effect and is often reported to the Medical Information Bureau. There is more information on this subject at


More resources: Declined for Coverage Medical Information Bureau