I am currently on a Cobra coverage. The cobra coverage is running out and I have been trying to obtain alternative healthcare coverage. Husband and I are self employed. I used infertility treatments to achieve pregnancy, and have been denied insurance from Humana One, and Unicare because of the drugs I took to get pregnant. I am not applying for maternity insurance, just the bare bones basic plans for myself, husband and son. The denial letter says " We find we cannot offer membership due to history as indicated on your application for enrollment. The application history of infertility treated with Lupron, HCG, Prometrium, etc. Unfortunately our current medical underwriting guidelines prohibit us from offering enrollment to any applicant with the above history."
With over 6 million people receiving infertility treatments, I wonder how many of them realize that getting insurance later will make it impossible to get insured. This is ridiculous.
What can I do? Is there any way around this?
Thanks in advance.