Not many people want to have to find health insurance on their own. Obtaining health insurance is not only stressful, it is expensive and sometimes difficult to even be eligible. Health insurance companies use underwriting to determine if you are eligible for health insurance and how much you will pay for it.
You may be less anxious about this process if you have an understanding of what questions will be asked regarding your health, occupation, and financial situation. If you know what types of information insurance companies are looking for, you can speed up the process of obtaining coverage. Not all insurance companies have the same underwriting guidelines.
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.
The insurance company will not only review the results from your paramedical exam, but they will also review your past medical records from your physician(s). It may help to make a timeline of medical events and treating physicians to help you track your treatment and provide any anecdotal information to the insurance company underwriters.
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