United of Omaha Life Insurance Company Complaint - Turned down for von Willenbrand's disease

Review by Oggie on 2011-07-25
ST. PAUL, MN -- I was denied coverage for long term health care because I have a genetic minor clotting disorder that is easily remedied with the use of a nasal inhaler--readily accessible through pharmacies for a minimal fee. Really??? They gave up thousands of dollars in premiums (I am 58 yrs. old) because of a small cost of the prescription that isn't needed unless I have invasive surgery?? And I likely won't even need long term care ever or at least for another 25 to 30 years! They did me a favor!
I can't wait for ObamaCare to kick in and pretty soon the insurance companies won't be able to exclude for pre-existing conditions. They'll be out of business when the gov't takes over! The insurance companies are only in business because they're praying you never need insurance, but they play the game using only near perfect health specimens. Just goes to show--DON'T get tested for any genetic conditions--they'll only use it to discriminate against you in the future!!
Comments:2 Replies - Latest reply on 2011-07-25
Posted by Anonymous on 2011-07-25:
Don't throw in the towel just yet. Look into other companies offering LTC insurance. LTC is the growing trend and insuring future care now is a very wise move because if you wait until you need the care it will be too late.

Posted by T on 2011-07-25:
Keep shopping around. There must be other companies that offer it.

It does not surprise me that a long term health insurance company might disqualify an applicant for a pre-existing condition. I don't know anything about it though. Good luck - you said yourself you probably won't even need it.

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