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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.

The author is paid for product endorsements and has an ownership or other financial interest in the businesses related to the topics covered.

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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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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 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.


More resources:

details of Secure STM 3 year coverage