I am trying to seek better coverage since my current job is giving out insurance that I do not think is all that great since a lot of doctors are not accepting.

I have High Risk HPV and the company (Won't name them) first diagnosed me for it and continue to follow up with me every 6-months.

When I turned 25, they dropped me from my mothers coverage (She actually works for the company), and I've been using another coverage with a permament job I had.

To make the long story short, I applied to the same company to seek coverage again and they rejected me because I have the High Risk HPV virus. How can you they reject me when they first diagnosed me for it??

Sorry for any spelling errors... I'm so mad I'm just venting right now. Appreciate some feedback! :)

I didn't think that Medical Ins carriers could reject a person based on a DX
Maybe that is just New York State, where do you live?

If you are going from one ins to another without lapse of coverage then can't you just "apply" for coverage and not have to worry about Pre Existing

IF I have learned one thing about Medical Insurance [I worked in that field for 15 years] it is that everything is appealable [hmm is that word?} I mean you can appeal in writing any decision that is made, and if it is the same company :confused: :confused:
I would put that in the letter of appeal, that you were prev covered by them and why are you being penalized because of your diagnosis?

Good Luck
ps It's the squeaky wheel that gets the grease.... so start squeeking ;)

Your insurance carrier didn't diagnose you, your doctor did. An ins. carrier can't drop you for something that you were diagnosed with while you were a member. The problem is that you were covered on your mother's group policy at that time, and now you are applying for individual coverage on your own and so now the HPV is looked at as a pre-existing condition. When you joined your mom's group (employer-sponsored) policy, you were not individually underwritten, but now that you are applying for private coverage, you will be. If an insurance company denies you due to your health history, yes, you can appeal, but it's really only worth your while if you feel that there is additional information regarding your condition that they did not review at time of application. For example, if they denied you for a condition that you said you've had, but they did not order/review any medical records, and you are able to provide medical records/physicians note stating that you no longer have symptoms or treatment for that condition. Carriers do have underwriting guidelines that they follow for pre-ex conditions, so sometimes there's not going to be any way around it if you still have that condition and are seeking treatment, and for some conditions based on the fact that you EVER had it (like diabetes, heart attacks, etc.). Hope this helps!