Question

Joe is a military retiree after having served 20 years of active duty. Upon retiring, he requests reinstatement of his lapsed individual health policy and is denied. Which of the following is correct?

A) Joe can be reinstated with the same policy immediately.
B) Joe cannot be denied reinstatement due to his military service.
C) Joe must wait for the next open enrollment period to reapply.
D) Joe may be denied reinstatement due to his health condition.

Answer 1

Joe may be denied reinstatement of his lapsed individual health policy due to his health condition.

Step-by-step explanation:

Joe may be denied reinstatement of his lapsed individual health policy due to his health condition.

When an individual requests reinstatement of a lapsed health policy, the insurance company may evaluate their current health condition. If Joe's health condition is deemed to be a risk by the insurance company, they may deny his reinstatement.

In this situation, Joe may need to explore other options for obtaining health insurance, such as waiting for the next open enrollment period or considering other healthcare plans that are available to military retirees.