| |
 |
|
| |
 |
|
| |
|
|
| |
 |
|
|
|
|
| |
|
|
|
| | | | | | |
| | | Click on the "Get Quote" button above to start your Individual Health Insurance Quote. | | | |
| | | | | | |
| |
|
|
 |
|
 |
|
| |
| F.A.Q. - Pre-Existing Conditions |
| |
| Will I get the rates you initially e-mailed or mailed me? |
The initial exhibits we send you are Standard Rates and are basically for those individuals who have no prescription usage (now or in the last year) and no recent or ongoing medical issues. |
| I have some pre-existing conditions; what is going to happen to my rates or benefits? |
American Community Mutual, Assurant, Celtic & United HealthCare typically put permanent exclusions on certain pre-existing conditions. This means that they will not pay any claims (medical, prescription, etc...) for anything related to those conditions. They will however not change the rates significantly. Aetna, Anthem BCBS, BCBS of KC, BCBS of Michigan, Consumer's Life, Humana, Medical Mutual & SummaCare will not exclude anything, but they will raise the rates due to these medical conditions or prescription usage.
|
| Don't insurance companies have to take me since I've had continuos coverage? |
No - Insurance companies can raise rates, permanently exclude specific medical conditions or outright decline you based upon your medical history. The laws that govern Individual health insurance are more flexible for insurance companies than those that surround Group health insurance. |
|
| |
|
|
|
