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Under 65 and looking for individual health insurance? Good Luck. I f you have common health conditions such as allergies or use popular medications like Prevacid for acid reflux, insurers in most states can turn you down – or charge you more for coverage. About half of all self-employed U.S. workers - some 7.4 million – are boomers, and only a handful of states have laws requiring insurers to guarantee individual coverage.Health insurers have underwriting guidelines to screen out high-risk customers. Dozens of pre-existing conditions as common as asthma, arthritis, varicose veins – even a history of ear infections – can be your downfall for obtaining health coverage with some insurers. Many popular prescription drugs, including Allegra and Lipitor, are used by some insurers as red flags. “What value is there to having a private system if the rules allow insurers to deny coverage to the people who need it most?†Insurance trade groups like Counsel for Affordable Health insurance insist that being choosy helps hold down costs. While insurers in most states are not required to report how many applicants they deny each year, a recent study by the Commonwealth Fund found that 21 % of people who tried to buy individual coverage were charged higher premiums or denied coverage because of their health. (AARP-Chad Hudnall- 2/07)I CAN HELP… we will cover you regardless of pre-existing conditions… check out my website:www.mybenefitsplus.com/amazing or contact me on myspace… I’m looking forward to hearing from you. ______________________________________________________
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