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Lemonade insurance. I was denied by lemonade a healthy 30 years old but I have had depression my whole life. I am almost 100% sure that is why I was denied. Has anyone else experienced this? Makes people want to go and hide again in their depression and anxiety issues.

Lemonade insurance. I was denied by lemonade a healthy 30 years old but I have had depression my whole life. I am almost 100% sure that is why I was denied. Has anyone else experienced this? Makes people want to go and hide again in their depression and anxiety issues.

moburkes

Being denied by one insurance company doesn't mean you'll be denied by all. Apply to other companies. Contact your current agent for assistance.


krom258

Thank you!


Moietmoi

Each carrier will have their own underwriting rules and what conditions they will more easily accept. Dont worry, many carriers will insure folks with depression and much more. You just have to find the carriers that are doing that and that is why I would suggest speaking to an insurance broker who knows which companies would be best for your case. I would talk to a few insurance professionals in your area and be up front with your condition(s). Those conversations are typically free so check before you meet with them. Best of luck.


krom258

Thank you!!!


Fanta-RC-pop-cocola

Something to know is on a new insurance application it may ask if you have been denied coverage. It's ok, just be honest...they will know anyway so the question is to check for honesty. What was said above is right, different carriers have different allowances so one decline isn't an issue. I've never heard of Lemonade Insurance...they may be too small. You may have better luck with one of the major carriers.


lykaon78

In the interest of simplicity many of the online purchase companies like Lemonade have very tight underwriting rules. If you don’t fit their rules you get declined. No human reviews your application only a computer system with a set of preprogrammed rules. Find yourself an agent that works with carriers with human underwriters. Don’t lie on your next application - it will be detected. See MIB.com.


Prowlthang

Almost 100%? Why not just ask them?


Cookingfor6

They have to tell you why, normally a formal decline letter is sent. Depression can have wide ranging severity. It depends on medications prescribed, if you've been hospitalized or suicidal. Suicide is a covered cause a death. If there's mention of that in your records, and the insurance company obtained all the records, you'll be declined. We work to limit a full set of therapy/psych records and ask for a summary letter instead for our clients.


hankemer

There is only one major national pharmacy that does not sell your prescription data to the life insurance companies. Any guesses?


lykaon78

This is misleading. Most of the pharmacy history actually comes from sources behind the scenes that support insurance claim processing.


sandalguy89

And I’m pretty sure Walmart doesn’t participate.


Jdlife27

I’m a Broker. Most Insurance Companies don’t ask about depression.


EuphoricSuccess1997

Is the depression diagnosed as bipolar and/or has it ever caused hospitalization? Those are the 2 biggest factors. Otherwise, no company should decline you for depression. I’m a broker in Michigan. Let me know if you want any help.


BBQToadRibs

Life underwriter here. I take people with depression and/or anxiety everyday. The question is how stable and controlled it is. Try a larger carrier and fully underwritten. Much better chance.