Policyholder Services

What happens if an application is denied?

The applicant will have two choices. When the company determines it is not in a position to offer coverage, we will notify the applicant of our intent to decline the application and advise the doctor why we are considering this decision. The applicant will have the opportunity to request reconsideration by our Underwriting Committee by sending us additional or clarifying information within the time period specified in our notice. Or, the physician may withdraw his/her application and seek coverage elsewhere.