Mary 's complaint:
September 11, 2012

Insurance Company: LifeWise Health Plan of Oregon
Coverage Type: Health Insurance

• Underwriting - Refusal to Insure

In August I applied for a health plan, which was supposed to take effect on Sept 1st. I made my husband primary. I selected LifeWish because of their ad on TV that claims to provide coverage to pre-existing conditions, of which I have a few.

I waited, and the 1st came and went with no acknowledgment or status. I finally called them last week, and the very cheerful rep said "should be ready any day!". Well, a few days later we received a packet with the denial for coverage. Their reason? My husband's weight (and he is over-weight; he is also a lot healthier than I am). Nothing mentioned about my pre-existing conditions.

As long as they stalled with that application, I know that the underwriter had to see red flags in my history. If my husband's weight was such a concern then they should have denied it right away. Instead, they used it as the scapegoat to avoid coverage for me. Can't prove this ~ I just know it in my gut. (But they did include a clause that states rights to an appeal, with higher rates. Translation: HIGH rates! But we are low-income.

And I imagine that this kind of deceptive b.s. will continue until Obamacare is in full force, and they'll raise the rates up the ying-yang for the higher-risk ones.

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