Learn How to Get Qualified for Health Insurance PDF Print E-mail
Written by Jeff Braid   
Saturday, 03 April 2010 12:46
Obtaining health insurance can be a stressful situation that many people find themselves in. Health insurance is expensive and can be difficult to even be eligible for coverage. Underwriting is the process in which insurance companies use to determine if you are eligible for health insurance and how much it will cost you.
by JeffBraid


Obtaining health insurance can be a stressful situation that many people find themselves in. Health insurance is expensive and can be difficult to even be eligible for coverage. Underwriting is the process in which insurance companies use to determine if you are eligible for health insurance and how much it will cost you.

It is important to know how the underwriting process works. Many insurance companies will ask questions related to your health, occupation, and financial situation. It is important to provide accurate and timely information about these underwriting questions. It is important to note that not all insurance companies ask the same underwriting questions. Your anxiety of getting insurance may decrease, if you have a basic understanding of what will be asked of you.

When preparing for underwriting you will want to have a list of your current prescriptions and any prescriptions that you have taken in the previous two years. It is also important to understand the declinable conditions that most insurance companies use to determine eligibility for health insurance coverage. You should search each site for a list of declinable conditions. Some insurance companies will provide coverage for health conditions such as asthma and acid reflux, although they may charge a higher annual premium.

You should also know your most current height and weight, as well as blood pressure and cholesterol. If you have high cholesterol, blood pressure and weight, you may pay a higher premium for health insurance. If these numbers are too high, you may not be eligible for coverage. These factors will be taken from your paramedical exam that may be required to obtain health insurance.

In addition to a paramedical exam, the insurance company will also review your past medical records from any treating physicians. You may want to develop a list of medical professionals that you received treatment for in the past two years. The insurance company may need to obtain more specific information about any medical condition that you may have.

DISCLAIMER: This article is provided as information only and is not to be taken as financial advice.

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