I hope someone can help with this.
I'm trying to get my mom health insurance through the Fed insurance for her state. She has numerous pre existing conditions and I am trying to purchase the plan for those with pre existings. The issue is that I need a letter of denial from an insurance company, denying coverage of her pre existing conditions. They all tell her they are not going to cover them, yet they are not willing to give her a letter. I suppose they know they are not going to earn any money from her and she's just going to them for the sole purpose of getting evidence to denial of the pre existing conditions - which is true. But she still needs that letter in order to finish the paperwork for the other insurance!
Does anyone have any advice or experience with this?
(also, can someone tell me if there is a such thing as just a simple family hospital insurance instead of the monthly prem plus deductible deal. For us it'd be cheaper to just have insurance for major things that could happen that we'd have to be hospitalized for or receive long term treatment. any ideas?)