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To read more about the reason your service request was DENIED, please click here and follow these directions.

Under “Quick Links” go to: Policies, Protocols and Administrative Guide.
Then on the left blue menu, about half way down, go to Medical and Drug Policies and Coverage Determination guidelines.
Click on “I Agree” and coverage determination guidelines are listed in alphabetical order.

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Product availability varies by state.

No individual applying for health coverage through the individual Marketplace will be discouraged from applying for benefits, turned down for coverage, or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income.

References to UnitedHealthcare pertain to each individual company or other UnitedHealthcare affiliated companies.
Dental and Vision products are administrated by related companies.
Each company is a separate entity and is not responsible for another's financial or contractual obligations.
Administrative services are provided by United HealthCare Services, Inc.

Products and services offered are underwritten by Golden Rule Insurance Company, Oxford Health Insurance, Inc., UnitedHealthcare Life Insurance Company and UnitedHealthcare Insurance Company. In New Mexico, products and services offered are only underwritten by Golden Rule Insurance Company.

This policy has exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company.

All products require separate applications. Separate policies or certificates are issued. Golden Rule Short Term Medical plans are medically underwritten and subject to preexisting condition limitations. Related insurance products offered by either company may be medically underwritten – see the product brochures and applications. HealthiestYou by Teladoc Health is not insurance and is not associated with any other insurance product for which you are applying. HealthiestYou by Teladoc Health and UnitedHealthcare are not affiliated and each entity is responsible for its own contractual and financial obligations. Travel Health Insurance, Property & Casualty, Final Expense Whole Life Insurance and Pet Insurance are underwritten by different companies that are not related to the UnitedHealthcare family of companies.