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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.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

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Health insurance eligibility problem

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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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 been denied by BC/BS, and Kaiser Permanente. I currently have an application pending with Celtic Insurance Company, and I am trying to apply for short term coverage until I find a permanent plan. Unfortunately, every time I apply, one of the questions (and automatic disqualifiers) is have I been denied health insurance coverage in the last 12 months.

A: The "previous decline" is more of a problem than your specific medical conditions. You will not be admitted to most health insurance plans now because the first one you applied for was the wrong choice. This is unfair, but affects many applicants who are unaware of health insurance eligibility rules or are working with an agent who is not proficient in this field. The Celtic Short tem medical insurance at is the best choice for now. You can have 12 months of coverage under this plan (2 six month policies) and then a new longer term plan will be available at now. There is an article at that gives more information on finding health insurance for these special situations. It is important for others to know how damaging it can be to apply for an insurance policy and then be declined. This information remains on your Medical Information Bureau (MIB) for many years. If there is any doubt as to your eligibility, always use an enrollment adviser (like the service we provide at to be sure of the treatment of your application before you apply.


More resources:

article: "Short Term Medical Insurance for Special Situations"