I know the feeling well. I consider myself perfectly healthy. Everyday I get up, feel good, do my laps in the local pool, watch my diet, don’t smoke or drink, go about my business, enjoy making a living, and seldom complain about how my body is operating because there is seldom anything to complain about.
But when I applied for insurance the company was not concerned about all the above. They were concerned about those records in my doctor’s office. Several years ago I had some annoying pain in my lower back, and the doctor wrote down “degenerative arthritis.” Then I had a little skin cancer (basil cell carcinoma) removed several years ago. That went on my records, too, although it is not a problem now.
So what did the insurance company say? Uninsurable! That arthritis is a problem. The word “degenerative” is scary to the company. The result is that I had to find a company that didn’t consider the arthritis a problem, and they put a “rider” on the basil cell carcinoma for two years.
What can we learn from this? Get insurance with a good company when you are young and healthy and don’t let it lapse. If you want to change companies, don’t drop coverage with one until you have it with another. This way you will avoid the curse of being declined for health insurance.
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