Guaranteed Healthcare

Approximately four years ago I was working for an architect (small company) that did not provide a group health care package. I had to seek individual health coverage for myself.

I got a lead from a friend for an individual that would be able to help me. This individual came to the office and proceeded to apply to the various health insurance companies. To make a long story short, Aetna, Mutual of Omaha, Cigna, and Fannie May all rejected me due to lack of medical records. In arguing with one of them on the phone, I stated the I was being punished for being healthy (I never needed a doctor and was seeking this coverage for emergencies and/or catastrophic illness), at which time I requested them to send me to any doctor of their choice for a complete physical, which they refused.

To put this all in a nutshell- it came clear to me that since I had no health problems I was being denied, but what if I did have previous health problems? Then I would have fallen under a preexisting condition and I would have been denied on the grounds of that!! I quickly realized there was no way that I was ever going to get individual health coverage without a group health care plan offered by my employer. Since I have been working for small architectural firms, I am still to this day without coverage being four years older. Another concern is that due to the extreme cost of an individual policy; even if I was able to get one, I would be unable to afford it for me and my family.

Thank you for your time- God Bless You!!!