Reasons You Can Be Denied Health Insurance

Children Accepted On Parent's Insurance

Certain states sponsor a health insurance program for children born into low income families. The eligibility criteria for these plans differs from state-to-state as not every state has similar plans for children. People wondering whether or not their state has a government-sponsored plan for children should check the state health department website. Many of these plans will not cover a dependant if they are eligible for coverage under their parent’s plan. Some states will still allow a dependant to be coverage through the government plan, even if the parent has a plan that can cover them. In this case, the family must earn less than a certain dollar amount per year.

Risky Job Or Career

Working in a risky or hazardous career field is one little-known reason certain individuals are denied health insurance. The number of occupations that are considered hazardous enough by an insurer to deny an applicant outright are fairly small, so many do not know about this practice. Firefighters and police officers may be denied appropriate coverage if they try to get another plan, other than the one offered with their position. Most in this situation are offered a fair plan through their job, and so are fortunately not greatly inconvenienced.