How Your Past Can Affect Health Insurance Approval

This article will provide information several reasons why a person's past can affect the approval of their application for health insurance today. Those planning to apply for health insurance should educate themselves as much as possible about the current health insurance policy in their area. To learn more about health insurance denial reasons, read on.

History Of Past Health Issues

Some applicants are denied due to non-payment of premiums from a previous health insurance plan. This case is especially true if they have had a previous policy canceled due to non-payment and they are applying for a new one with the same insurer.Those in this situation should apply through a different insurance company, as they will have a better chance of getting accepted. However, their acceptance is not guaranteed.

Some insurance companies will research and find out if there are any collections accounts due to the non-payment of health insurance premiums, and may deny an applicant based on this criteria.

False Tax Information

Another reason applicants are denied for a government-sponsored health insurance plan is false information on their previous tax return. This reason may apply to people who are applying for Medicare, Medicaid, or plans from the health insurance marketplace.

In the past, some applicants falsified their tax returns, so they choose to apply for a government subsidy on a plan from the health insurance marketplace so they qualify for Medicare or Medicaid. Those who are caught doing this may face a penalty, or are banned from applying for a government plan for the rest of their life.