My question involves insurance law for the state of: GA
I applied for coverage from Blue Cross/Blue Shield of GA after my COBRA coverage ran out. Went through the whole application process, including getting them my most recent cholesterol numbers. I then got a letter stating that my application was denied because of my cholesterol. I know that having a denial of coverage is a huge red flag for my future, so I want to appeal the decision.
I called BCBG and inquired as to how to go about appealing. The person I spoke to said to get a fresh lipid panel done, then write a letter stating why I disagree with their decision and include cholesterol numbers that are below what they were. He did not give any indication how much improvement, just any improvement.
I got the test done and now have the results. While there are improvements in all areas, 2 are still out of the normal range. I am dieting, exercising and taking medicine...not sure what else I can do to fix things. Doctor is thinking about changing my meds. On my current short-term plan, that will cost me a bundle.
Any hints or tricks from any health insurance gurus on how I can work my appeal to have the best chance of winning?
Also, if I win my appeal...do I still have to answer that I have been denied coverage if I have to apply for new insurance someday?