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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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Previously declined for health insurance

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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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

Q: I can afford insurance but I can't get any because of my OCD that I stopped getting treated for five years ago. I don't plan on getting any more professional support. Still, Blue Cross turned me down.

A: In your case, the previous decline is a bigger problem than tthe pre-existing medical condition. Most health insurance applications ask “Have you been previously declined for coverage by another insurance company?” as you indicated. If the answer is “yes” then you are not eligible for this insurance. The “previous decline” poses more of a problem than the OCD in term of finding good health insurance. See; the Celtic short term medical insurance is likely the best choice because it is inexpensive, provides great coverage for catastrophic charges and does not ask about previous declines. You can probably take as many of these six month policies consecutively as you need. See the article “Health Insurance for Special Situations” at for more information on this topic.


More resources: article: "Health Insurance for Special Situations" article: "Short Term Medical Insurance for Special Situations"