I work for a college in Texas. Due to my husband changing jobs, I need to add him and our two kids to my medical policy. Colleges are exempt from adding at any time. I have had to fill out Evidence of Insurability for all 3. My spouse was denied because he is a diabetic and on insulin. His previous job he worked shift work and was unable to eat on a regular schedule so he has to be on insulin in order to keep his diabetes regulated. His doctor is going to work with him now to get him on pills. So, for now, he will have to go on Cobra. My question is can the insurance company still deny him coverage during open enrollment? Will it help change their decision if he can maintain his diabetes on a pill regiment instead of the insulin? I'm really worried about them denying him again. We have cobra for 18 months but if they deny him after that I don't know what we will do. HELP!!! Thanks!
Additional Details
I have checked with my HR Dept. and I have checked with my husbands HR Dept. both tell me he can't be denied during Open Enrollment. However, a representative from Fort Dearborn Life said he can be denied even during Open Enrollment. His last day at work is this next week. He will go on Cobra after that. His doctor is writing a letter for us to submit to the insurance company stating that the reason he had been on insulin is due to his shift work schedule. He never knew when he would get to eat so he couldn't take the pills as a set schedule, therefore he had to be put on shots.