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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.

Afraid of being declined for coverage

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Question: I just recently found out my individual insurance with Anthem Blue Cross was canceled due to a book-keeping error on my part. I filed a grievance with them stating I would pay all fees and penalties. In the meantime, they told me to apply again for another plan. Being truthful, I told them that I was in the middle of having a physical and blood work. They denied this new policy and states they need to see the results of the blood work. I literally just received the blood work back today and it says I have high cholesterol (My BMI is 24.3)…I haven’t even had a chance to speak to the doctor about it yet. I’m now terrified to send the insurance company this result for fear of being denied coverage. I’m unsure what to do, this is the first time I’ve ever been without health insurance my entire life.

Answer: Based on what you’ve told me, I recommend that you comply with Anthem’s request for the records and finish that application. Your high cholesterol is not a “knock out factor” by itself. Your height and weight are within the guidelines, so you could be approved for coverage, but will probably be looking at a 25% to 50% rate increase for the cholesterol. If you don’t get what you want from Anthem, call my office at 800-557-5693 and we will try to find coverage for you.

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