What types of treatment within the past 2 years can lead to denial of coverage?

Major surgeries such as organ transplants can lead to denial of coverage due to their complexity and the associated high costs. Insurance companies, including those offering Medicare Supplement Insurance, evaluate the risk factors and medical histories of applicants. If an individual has undergone significant medical procedures, such as an organ transplant, this may raise concerns regarding ongoing health issues or complications that could require extensive medical care or resources in the future. This thorough review allows insurers to manage risk and set appropriate premiums, which can result in denial of coverage for those with a significant medical history.

In contrast, general wellness visits, minor outpatient procedures, and preventative care assessments typically do not carry the same risk factors that could lead to denial. These types of care are often considered standard and necessary for maintaining health and preventing future issues, making them less likely to impact coverage negatively.