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If you want really affordable health insurance, you may have to accept a very high separate deductible for “branded” prescriptions, or in the case of some “bare bone” plans, fore go this coverage altogether. As the consequence of this decision may be significant, it should be made with your eyes wide open. Branded prescriptions are [...] Saved Brain Damage 1. By law it cost you no more to work with a broker than to deal directly with a health insurance company. 2. Working with a broker, you are much more likely to understand the plan you are applying for and thus be able to select the best combination of price [...] Most clients originally call me to help them sort through their options for health insurance and come up with some recommendation for the best combination of price and value for them. However, once this is done, I believe the greatest service I can provide is to help a client fill out an application. It can [...] Most insurance companies consider health insurance “credible” if it is a group or medically underwritten individual medical insurance policy. Why is this important? *If you are moving from one group (usually employer sponsored insurance) to another, and have had previous “credible coverage” that was not interrupted for a period of 63 or more days, most [...] I am often asked how long it takes to get an application for health insurance approved. The answer is always the same, “it depends on how long the insurance company takes to review or “underwrite” the information you submit. Underwriting is a term insurance companies use that basically means “background check.” Individual health insurance companies have the [...] When a health insurance company receives your application for health insurance, their underwriters review it to see if it meets their guidelines for coverage. If, due to pre-existing medical or lifestyle conditions, you do not meet their requirements, your application may be declined. My first advice, if you are declined, is to request that your [...] |
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