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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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"Not accepted" by Humana

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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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 read your answer to the person who did not know if they were "declined" or "not accepted" for a health insurance policy. I have the same problem with Humana. Maybe you could help we in the same situation by addressing my concern. I received an application status letter from underwriting stating that they were "unable to offer coverage." It further went on to say that this "determination does not preclude you from other insurance options; please contact your prior insurer for possible continuation options". I read this as "not accepted." Can you advise?

A: This seems like a perfect example of the way that insurance companies are now taking action to prevent the application of their eligibility criteria from adversely affecting applicants. Humana presumably wants to only accept applicants without pre-existing medical conditions, but has no wish to preclude you from qualifying for other insurance that is available because it excludes coverage for pre-existing medical conditions. In this case, it would obviously be fair for you to presume eligibility for the insurance policies and would not serve your purpose to presume that you had been "declined".


More resources:

"Not Accepted" vs. "Declined"