Any lawyers in the field of malpractice, health insurance, or negligence: I would love to hear from you on this matter.
This is my situation. I am 31 years old, a FT student, with a disability due to OCD. I was under my Mother's policy with Kaiser Permanente for the past some twenty years until only a few months ago. They canceled me from the policy (it was a family policy, including my Mom, step dad, and myself) all of a sudden, without a proper explanation. I then tried to get a policy for just myself through Kaiser, and they rejected me. They refused to allow me coverage, on the grounds that I am 'obese' and I have hypertension. I can't contest those facts. I weigh apx. 270 pounds, and I am five foot ten. I do have extremely high blood pressure. But I have experienced a lot of mental anguish over their refusal to allow me coverage. I desperately need my medications, and there are no other options available to me. Do I have sufficient reasons to sue Kaiser? This is not fair.
Cat
Whether you can sue them depends what the "improper" explanation was that they gave you when they dropped you in the first place.
Why did they say they dropped you?
Walter Ridgeley
Beware, any lawyer who takes money directly from you for this case will be stealing from your pocket.
J T
May not be fair but unless "letting you go" was done in breach of their insurance contracts with your family (which a lawyer in insurance law can help you discern) you have no case. Insurance companies have the right to refuse any person applying for coverage. I have a chronic illness and even though I am in tip-top shape (low cholesterol, non-smoker, fit, eat well, exercise, etc.) I have been denied insurance coverage when I have applied for just me. Unless you can get in with a group policy (like from an employer or other organization) insurers don't have to insure you.
This here is a key problem with insurance companies - just like even though I'm in great health they charge the employer that provides my insurance a ton just because the statistics show that people with my chronic illness get lots of expensive procedures (yeah, when they don't take care of themselves, but I do). That's not fair, but it is legal.
fr_chuck
You can contact them, but private insurance is just that private and if you don't meet thier under writing rules they don't have to insure you. There are 10's of thousands of people who are not allowed to be insured every year ( if not more)
And for those that get poor health thier companies cancell them all the time.
This is merley how private insurance works.
Orignal From: Can I sue a private health insurance company if they reject me for coverage, when I used to be a member?
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