Continental General Health Ins
In her study, Pollitz found that roughly 90% o applicants in less-than-perfect health were unable to buy individual policies at standard rates, while 37% wre rejected outright."It's very, very hard to get coverage now" in the individual continental general health ins market, said Pollitz, who said underwriting standards have only tightened since her study.
Even counseling for grief or a sleeping or eating disorder can make someone ineligible, she said. So can being on medications for hay fever or acne, because insurers consider you a high user of medications, she said. "Allegra will get you every time," said Pollitz. "They may deny you; they may increase your deductible or give you a policy with no drug card." It's all about risk -- theirs Insurers make money by avoiding the risk of paying high claims. The sickest 1% o their policyholders can make up 40% o more of claims.
"Insurers will look at your past
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