There are several essential steps that you may take in order for you to find health insurance for your uninsurable husband. You must first coordinate with your state insurance commissioner to get information about state-sponsored high-risk insurance pools. Your husband ought to qualify for one of these tax-funded, state-sponsored insurance pools if several companies have already turned down his application for insurance coverage.

The Patient Advocate Foundation provides information on medical debt crises as well as health insurance referrals. You should coordinate with this foundation to find health insurance plans and referrals or possibly some financial assistance to pay for medical expenses for your husband.

You should also check if your state has specific legislation that establishes an open enrollment period for health insurance regardless of medical history. You should consult with a health insurance broker or agent to offer you referrals for high-risk individuals such as your husband. There are some insurance agents who provide such services under the National Association of Health Underwriters.

Your husband could become a member of the nonprofit organization, Communicating for America. This organization assigns a personal health advocate to its members and provides a state-by-state assessment of health insurance for high-risk individuals.

You should also find out if a health insurance company provides exclusionary riders. If so, then the insurance company will provide comprehensive health insurance for everything but a specified pre-existing medical condition.

Just follow the above-mentioned steps and you will be sure to find health insurance coverage for your husband despite his serious medical condition.

Answer by general public — June 26, 2009 @ 2:55 pm

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