The Problem Solver called Aetna and Costco.
Scot Roskelley, a spokesman for Aetna, said the denial had nothing to do with Dolezal's health, but the unknown health of the child he might adopt.
"It is typical for insurance companies not to sell an individual policy to someone who is pregnant or in the process of adopting a child or surrogate pregnancy," Roskelley said in an email. "Laws require that insurance companies allow individual policy holders to add a newborn or newly-adopted child (regardless of the child's health) to a policy during the first 31 days of life or adoption with no adjustment of the premium based on the child's health status."
Roskelley said that because insurance companies don't know the health status of an anticipated child, they typically classify applicants as "ineligible." They then wait until after the child is born or adopted before accepting an application for an individual policy, he said.
Dolezal said his intention was to get coverage for himself, not the child he is planning to adopt. His new son or daughter will be covered by his wife's insurance plan, he said.
John Conlon, director of insurance services at Costco, said that had Dolezal contacted Costco after he received the denial letter, it would have examined his situation and advocated on his behalf.
Still, Conlon said, it is unlikely the ruling would have changed. Although Dolezal intends to use his wife's insurance for the adopted child, the fact that he can request coverage through his individual policy means Aetna will not approve his application.
"We're happy to dig down into his specific circumstance if he wants to," Conlon said. "We can certainly do everything we can if he wants to go that route, but my guess is he's going to run into the same situation."
Dolezal said he's disappointed and thinks the policy to deny coverage to people who are in the adoption process is poorly conceived.
"I guess if they're going to write a policy for a year, my wife can get pregnant in the next month and they're in the same boat," he said. "It seems like a bad policy to me to just have a blanket denial."
Dolezal said he and his wife remain on the adoption waiting list and hope to get a call soon. In the meantime, he has explored individual policies from other insurance companies and might apply to one of those. If he is denied, he would then consider paying the $1,000 a month to join his wife's plan.