Avoid Being Rejected by Insurers

Do some research before you apply anywhere for health insurance to minimize the chance you'll get a rejection on your record.

Thank you for all the information you've been providing on health insurance. I have read that if you have preexisting conditions and are rejected for insurance after applying, it'svirtually impossible to get insurance in the future. Can you tellme how accurate this is? Also, are there any strategies foravoiding this situation?

Getting rejected by one insurer won't make it impossible to get coverage with another company, but it can make it more difficult. Most health insurance applications ask whether you've been rejected in the past, and prospective insurers will note your answer when deciding whether to offer you coverage. The best strategy is to do some research before you apply anywhere to minimize the chance you'll get a rejection on your record and make your insurance search a lot more efficient.

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Kimberly Lankford
Contributing Editor, Kiplinger's Personal Finance

As the "Ask Kim" columnist for Kiplinger's Personal Finance, Lankford receives hundreds of personal finance questions from readers every month. She is the author of Rescue Your Financial Life (McGraw-Hill, 2003), The Insurance Maze: How You Can Save Money on Insurance -- and Still Get the Coverage You Need (Kaplan, 2006), Kiplinger's Ask Kim for Money Smart Solutions (Kaplan, 2007) and The Kiplinger/BBB Personal Finance Guide for Military Families. She is frequently featured as a financial expert on television and radio, including NBC's Today Show, CNN, CNBC and National Public Radio.