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.
The author is paid for product endorsements and has an ownership or
other financial interest in the businesses related to the topics
covered.
Submit consumer finance questions at OnlineAdviser.org and health insurance questions at
OnlineNavigator.org
FreedomBenefits.net Insurance Exchange
- your source of valuable information on state and federal health reform
benefits.
Core Health Insurance
- America's favorite mini-med insurance with affordable premiums, freedom
to choose providers, optional PPO discounts and guaranteed eligibility
regardless of medical conditions.
Please support the Web sites that make publication of AskTony
services possible.
Re-apply to Blue Cross
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been recently reviewed or revised by the author and may be out of date.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: It has been over one year
since I was denied Blue Cross/Blue Shield. Can I re apply or would it
be better to try another company?
A: In either case, you do not
want to risk another decline so make sure that you qualify before you
submit an application. Blue Cross handles all of its enrollments for
individual health insurance in-house by their own employees so it will
be necessary to call them directly. There is a strong chance that since
you have been declined in the past, you will be declined again. The
immediate issue plans like Secure 12 x3 online at FreedomBenefits.net
allow re-application 12 months after a decline and determining
eligibility is easy. If you qualify, this is an easier and less
expensive approach than a Blue Cross plan.
Summary
More resources:
details of Secure STM 3 year coverage
FreedomBenefits.net
