How to Get Health Insurance - Health Insurance Information
Here we're today talking about insurance ins and outs, and specifically how to obtain health insurance. Well, the process is very simple. You're going to find an insurance agent or a insurance company that you can deal directly with, and ask them for an application for health insurance. You will fill out that health insurance application, which will ask you all your pertinent personal information, including your medical history.
Usually they'll go back five to ten years on all of your--any doctors visits that you've had, any medications that you've taken or are currently taking. And they'll want to know all of that information so that they can appropriately underwrite the policy. If you are applying for an individual health insurance policy, you need to be aware that these policies are underwritten by the company. It's not an automatic acceptance. You have to qualify for it. So if you've had trouble with health issues in the past, that may become an issue.
It doesn't necessarily mean that you won't get coverage, but it can affect the rate that you get, or whether you'll get accepted or not. But in essence, you will out that application, you submit that information with all the details about any health conditions that you may have, the underwriters will evaluate that, and usually within a few weeks they'll give you an offer or decline your application.
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