Do I Qualify for Health Care With Pre-existing Conditions
Posted by Todd Fries | Filed under FAQ, Health Insurance
Did you have health issues in the past? Or are you currently taking prescription medications? Are you going to have trouble obtaining health insurance?
The fact is, when you apply for individual health insurance you have to go through medical underwriting, unlike group health insurance. Therefore, you could be declined for a number of things including the above mentioned.
I always advise my clients that if you currently have health insurance, even if you’re not happy with the plan, or think you’re paying too much, don’t cancel your current coverage until you’ve been approved for a new plan! Just because you were approved before, your health could have changed since original application was submitted and therefore there is no guarantee you will be approved now.
If you are declined, your agent will go over your options with you at that time. Once the reason for your decline is ascertained, you can then appeal the decision, or simply apply to another carrier. Since most carriers use similar underwriting guidelines, your agent will want to address the issue in question to give you the best possible chance of a favorable outcome next time around.
If you live in the California area and would like to discuss your specific case, feel free to request a FREE CONSULT Or if you have other health questions you’d like addressed in this blog, please let me know!
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