Dos and Don’ts When Completing Individual Health Insurance Application

If you do not have access to a group employer plan then the other option you have is to apply for individual health insurance plan. Individual health insurance application require more information from you then group health insurance plans that you might have had through job. The reason for that is that individual, and that applies to family health plans, are medically underwritten. That means that a person called medical underwriter will go over your medical application and decide if you are a good risk for the insurance company. The main reason for medical underwriting is to keep over all cost for every one low. The more insurance company has to pay out in claims the more they have to charge every one for health insurance to keep the average cost down.

If you have already had a chance to take a look at individual application then you probably know that it can be long. How much of the application you have to fill out depends on your previous medical history. If you are in perfect health then there is not much that you can write on your application other then some basic information. If you are some one who has been to the doctors for lab work, test or takes prescription medication then you would have to include that on your application. Most individual application require you to provide information of your doctor or the last doctor you have been to. If you are not sure of the name of the doctor you can always include the hospital name, clinic name or doctors practice name. When it comes for the dates of your last doctor office visit or any other dates. If you do not remember exact dates, just put down your best estimate.

The most important thing to keep in mind when filling out individual or family application, especially if you do have some medical issues, is to understand this. Until there is a permanent change to health care system and health insurance is not medically underwritten. Insurance company will consider every condition that you have and every medication that you take. The reason for that is that in most states in the US health insurance companies require to cover everything once you are approved. That means that all of your medical conditions and prescription drugs have to be cover by law once you have been approved for coverage. That is if you are approved. I hate to use this analogy because we a talking about human lives, but the simple way to explain health insurance is to compare it to car insurance. For example lets say you get in the minor car accident and you do not have car insurance. Your car is still drivable and it looks like you will need a new bumper and some paint. The next day you go out and purchase car insurance to cover your accident. Well we know it does not work like that. If you could just go out and get car insurance only after you had an accident then no one would pay for car insurance. Why pay if you can just get it after you had an accident. No one would pay for car insurance and car insurance companies would not exist. Then you would be fully responsible for all the damages out of your own pocket. I know I would rather pay that $100 a month just in case something does happen.

Most people do not recognize that health insurance works in the same way. Health insurance companies are not going to approve some one who requires immediate medical assistance. That includes pending follow up visits to the doctor, recent surgery (after a surgery a lot of complications can arise), prescription drugs and anything that is known upfront that could potentially be covered expense. Insurance companies use a “actuarial tables” to underwrite individual applications. If based on what you have put down on the application could potentially cost insurance company money, chances are your application will not be approved.

If health insurance companies automatically approved all the application then it would be the same scenario as with car insurance example, that no one would pay for health insurance. I know I would not, why pay for insurance if I can get it when I get sick. If no one would pay for insurance then there would no insurance companies to cover us for unforeseen large medical expenses. I am certainly not prepared to pay $400,000 or higher for medical emergency.

Getting approved for health insurance could take some preparation. If you are currently taking prescription drugs, find out how to can slowly get off them. I am not a doctor and certainly would never tell anyone to not take drugs that were subscribed by their doctor. I think sometimes great health starts with us, with small daily choice we make. Take care of your body and it will take care of you. When completing application sometimes being too honest can cost you also. That does not mean lying. Going to chiropractor and writing on the application that you have had back pains and you will need to see a specialist. On top of that is that you have not has any health insurance previous is just way to suspicious. It looks like you are trying to get health insurance to get medical care for something that you do not want to pay yourself. Do not make it worse then it is and always phrase everything in the positive. Instead of you writing that you are having back pain, taking Advil and going to chiropractor. Phrase it that you went to chiropractor for maintenance just to realigning your back. I see a lot of people get declined for coverage even though they are in perfect health just because how and what they wrote on the application.

Real people will be looking at your application if you are making it worse then it is or you are volunteering too much information then it is only your fault if you get declined. Your answers should be, everything is fine, just a check up, results were normal. Also before you know that you might be looking for health insurance do not go see your doctor until you do have coverage. If you go to the doctor and they find something “wrong” with you then bye, bye health insurance. Now you are stuck. When at the doctors office, again, be careful what you tell your doctor because it will end up in your medical records. When self diagnosing your self do not volunteer that information to your doctor, it is your doctors job to find if there is an issue. If you have been declined for health insurance there are options available to you so is having or not having health insurance. Having any health insurance plan is infinitely better then not having anything at all. It is a know fact that you will get a better treatment if the hospital knows that you have some way to pay for your medical care and that they are not just working for free taking care of you. The one and the most important thing that you can do is to take care of your health. Eat your broccoli.

Roadmap to the Health Insurance Landscape – Finding the Right Guide

The health insurance landscape is as complicated as the Chicago Loop during construction season. It’s full of twists and turns, detours and diversions, all designed to confuse and confound the casual driver. But you don’t have to be a timid and vulnerable driver. The difference between being lost and being on point is a matter of having an up to date, concise, and understandable guide. The health insurance landscape can be negotiated with confidence by having a guide who can provide “turn by turn” directions to finding the right health insurance to meet all your needs.Insurance companies maintain much of their power by keeping the consumer confused by exclusions, limitations, and a myriad of difficult to define terms. The average consumer, trying to choose a carrier and policy, finds the challenge of understanding policy language both anxiety provoking and threatening. But there is a way to simplify the process and bring the complex landscape of insurance coverage into perspective.A qualified insurance specialist can help you through the complex language, specifications, and terms of insurance documents and policies. With a wealth of experience and training behind them, the specialist can be the difference between having over priced and unsuitable coverage and a policy that meets your needs at the best rate available. How many of us go to a automobile dealership to choose a used car without the input of a trusted mechanic? How many of us start out on a cross country trip without a roadmap? Finding health insurance, like many things in life, requires guidance and a degree of trust. Your insurance specialist can provide that guidance and, with time and commitment, answer that need for trust and confidence.Choosing your insurance specialist carefully is job one for the consumer. Be sure to review your specialist’s credentials, paying specific attention to their experience and association with a variety of insurance products. The broader the scope of their experience the better advice they can provide. But don’t expect a specialist in auto insurance to be the best advisor in health insurance. The reverse is also true-insuring your car or home is a world different from insuring the health care coverage of you and your family.The right insurance specialist for you is one that has built a career in the successful sale and administration of a variety of insurance products with a wide selection of carriers. But they are also good listeners who can help you determine your needs and priorities. You can’t get directions to get somewhere unless you know where you’re going. The right insurance specialist can listen to your concerns, the specifics of your family’s needs, and your financial capabilities with respect to how they impact your health insurance requirements. Always plan on a lengthy interview with a prospective specialist and don’t walk away until all your questions have been answered. A good specialist will be able to explain the complexities of health insurance in terms that you can understand and absorb.The right health insurance specialist will be able to calm your fears about health insurance and you’ll finally get some sleep knowing that someone who understands you, your needs, and your constraints is actively searching out health insurance solutions for you and your family. It is amazing how far you can get with the right guide who knows the lay of the land and all the short cuts to your destination. Like so many things in life-all it takes is the right guide.

How to Get Health Insurance If You’re Uninsured Or Just Unsure

If you’ve recently lost your job or are self employed or work as a freelancer, you may not have health insurance. You’re not alone. Hundreds of thousands go uninsured due to financial reasons.Others may be staying in jobs they hate “because I need the health benefits” and they worry about what to do if they make a transition. You’re not alone either. Good health is a huge priority. Without that, everything else can fall apart.I’m a strong advocate for taking preventative health measures. But part of taking preventative measures is making sure you see your physician for annual general checkups along with followups, and seeing a physician when you know something is wrong.Since it can be confusing navigating where to go to obtain health insurance during such times, I thought the following might help.The American Diabetes Association has put together a very helpful resource guide for you. I’ve used New York here, since many of you reside there but you can get the same information for ANY state by clicking on your state on the red map on their website.NEW YORKThe following information details health insurance and assistance programs available to uninsured people in New York.If you currently have health insurance or have just lost health insurance coverage within the past 60 days, visit the health insurance section of the American Diabetes Association website for options available to you.New York Insurance Department – (800) 342-3736Residents of New York cannot be turned down from purchasing an individual health insurance policy regardless of any health conditions they may have. This is called guaranteed issue. In addition, residents cannot be charged a higher rate for their policy because of their health status. This is called community rating. The New York Insurance Department may be able to help you locate names and phone numbers of possible insurers who will sell you this type of policy. Please contact them for more information.If you are having a problem with your state-regulated health plan and you are unable to resolve it with the plan directly, file a complaint with the Insurance Department. They may be able to provide you with assistance in reaching a conclusion.New York Health Insurers Guide AvailableThe New York Consumer Guide to Health Insurers provides information about the wide range of health care options available in in the state and enables New Yorkers to compare commercial and non-profit health insurers as well as health maintenance organizations (HMOs) on a variety of factors, from services offered to overall consumer satisfaction. This guide can assist you in finding the best health care plan for you and your family.New York Medicaid – (518) 486-9057Medicaid is available to anyone who meets income and eligibility criteria. Even if your income meets the criteria, you must fall into one of the eligibility categories in order to qualify. Contact your state Medicaid program for more information.Healthy New York – (866) 432-5849The goal of the Healthy NY program is to provide health insurance coverage to eligible uninsured working individuals and self-employed individuals. This program is also available to small businesses that are not currently offering health insurance coverage to their employees. You must meet certain income eligibility criteria to qualify. Please contact Healthy New York for more information.Child Health Plus (CHPlus) – State Children’s Health Insurance Program –
(800) 698-4543Child Health Plus is the health insurance program designed to provide health insurance to children and teens under age 19 whose family may have too great an income to qualify for Medicaid, but who may not be able to afford health insurance. Visit the Web site to find out if you or your child meets the income guidelines.New York Family Health Plus – 1-877-934-7587Family Health Plus is a health care program for uninsured adults between the ages of 19 and 64 who have incomes too high to qualify for New York ‘s Medicaid program. Family Health Plus is available to single adults, couples without children, and parents with limited incomes. Individuals must meet residency and certain immigration qualifications to be eligible.If you or your loved one is unable to see a physician due to the cost of care, there may be a local community health clinic in your area. These clinics generally are free or require a very small fee for patients to receive care. Find a clinic in your area.For those with preexisting conditions, there are advocacy groups working on your behalf. If you have trouble finding one, message me and I’ll send you a link.Also, if any freelancers have had a good or bad experience with certain health insurances, please message me as it’d be helpful to know which ones are working well and which are not.Hope this helps.Quick Link to Map for Health Insurance in other States: