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Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

Denied for Kaiser Permanente Individual Health Insurance

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Question: My mom is currently insured under COBRA/CAL-COBRA (which expires Oct. 1, 2008). She applied for the Kaiser Permanente Individuals and Families" health care coverage and was denied coverage. The reasons being: she has High Cholesterol, was diagnosed with tendonitis of the shoulder and bursitis of the hip (she gets steroid injections to relieve the pain) and was diagnosed with bilateral carpal tunnel syndrome with surgery performed on the left hand in April 2007. Can you please suggest an affordable health insurance plan that will not deny her? She is 64 and will be 65 in 2009.

Answer: Your Mom qualifies for HIPAA guaranteed coverage provided she has exhausted her COBRA coverage. HIPAA coverage is offered by most insurance carriers. HIPAA guaranteed plans are usually lighter on benefita and higher than standard rates, but she cannot be denied coverage regardless of her health. Given that she has a year or less until she 's covered by Medicare, it's a no brainer.

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I think to sum it up for health care shoppers: it is simple if you are healthy buy a health plan so the company will not spend any money on you and they will get the premium; if you get sick then cancel your health insurance and give a call to Dr. Kevorkian, he sure will be happy to provide his services.

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