I applied with human and got denied I guess for having 2 bladder infections within 6 months, because I have no other health conditions just that. Well anyways I want to try to reapply with another insurance, but should I wait? Will I probably get denied again? I was also thinking of not putting in on the application because its dumb to get denied for something such as that.
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Different companies have different underwriting guidelines and different companies can do different things. One company may deny - another may rider (which means they'll accept you but not cover anything related to the bladder) for a period of time 1 year to permanent - another company will accept you but not cover as a pre-existing condition (6-12 months depending on state law) - while another company may accept you. Some companies may decline on one policy level or type but accept on another policy level or type. Your agent should have contacted the insurance company prior to you applying to find out what they would do. If you don't have an agent then you are your own agent and this will happen. An agent can do a pre-screen with the insurance companies prior to you applying. There is no extra charge using an agent. If you don't mention the infections the insurance company can rescind the policy in the future and make you pay back everything they've paid out for you. This is bad if you get very sick and rack up $100,000 in medical charges.
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Sunday, November 7, 2010
What determines state residency when it comes to health insurance?
I live in New York but also rent an apartment in Connecticut. I am not a signatory on the lease (I rent a room in a friend's apartment), but sometimes stay there for work. The premiums for health insurance are much lower in Connecticut than they are in New York, and I was wondering if I could sign up for health insurance there. I know I would only be covered in Connecticut. Is this something I could do and if so, what kind of documentation would I need to provide to prove my Connecticut residency? Thanks
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It's likely the state in which you file your taxes. Home state It would follow that rule.
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It's likely the state in which you file your taxes. Home state It would follow that rule.
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How do I find a good Health Insurance Agent In Texas?
Back in California where I am from I had a great Health insurance agent. He took care of everything. My health insuranc, home insurance, life insurance and auto Insurance. I get to Houston Texas and find out that most agents either deal with home and auto or life and health insurance. I now have a freat home and auto insurance agent but he does not deal with health insurance. His reason. He does not have time to keep updated with current trends in health insurance so he does not believe he would be a good health agent. I appreciate his honest but it kinda leaves me hanging. Does anyone have any agents they can recommend?
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Hello JJ my name is Brad Tolar. I work for Insurance Advisors. We specialize in Health Insurance and offer coverage in Texas and Nevada. We have agents in many cities in both states that can help with all your health insurance questions and needs. We offer a wide range of companies including but not limited to Blue-Cross of Texas, Aetna, United Health, Unicare and Time-Assurant Health. We will take a look at your personal situation and find the company that best fits your current needs. You can go the website at http://www.lvhealthins.com and pick your own plan and purchase it online. You can call to speak with a live agent at 409-283-3393. I know how difficult it can be to find someone that will go the extra-mile in the insurance business. We are that agency and would love to help you. Give us a call or go to the website where you can quote and buy online without ever talking to an agent or you can call and we will be happy to help you select the company that's best for you. http://www.lvhealthins.com
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Hello JJ my name is Brad Tolar. I work for Insurance Advisors. We specialize in Health Insurance and offer coverage in Texas and Nevada. We have agents in many cities in both states that can help with all your health insurance questions and needs. We offer a wide range of companies including but not limited to Blue-Cross of Texas, Aetna, United Health, Unicare and Time-Assurant Health. We will take a look at your personal situation and find the company that best fits your current needs. You can go the website at http://www.lvhealthins.com and pick your own plan and purchase it online. You can call to speak with a live agent at 409-283-3393. I know how difficult it can be to find someone that will go the extra-mile in the insurance business. We are that agency and would love to help you. Give us a call or go to the website where you can quote and buy online without ever talking to an agent or you can call and we will be happy to help you select the company that's best for you. http://www.lvhealthins.com
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How do you become a health insurance agent?
My wife is interested in selling health insurance. What does she need to do in order to do this? Like licensing, buying a franchise, ect... ?
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She can either become a broker or work for an insurance company. Either way, she needs a life agent license. There are classes she can take and then she would take a state exam. The classes are fairly short (no college needed). If she wants to become a broker, she can do so through a company such as NY Life for example. Chances are, she'd be able to work from home.
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She can either become a broker or work for an insurance company. Either way, she needs a life agent license. There are classes she can take and then she would take a state exam. The classes are fairly short (no college needed). If she wants to become a broker, she can do so through a company such as NY Life for example. Chances are, she'd be able to work from home.
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How come the health insurance industry capitulated to Obama and refused to join the party of "no"?
in fighting against a government sponsered health care plan? Funny how a 60 seat Democrat majority in the Senate caused the health insurance industry to spring into action. If they can figure out how to cut 1.5% of their costs now, how come they wouldn't agree to these proposed cuts in, lets say, 2003?
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BECAUSE BUSH WASN'T PUSHING THEM...ASK YOURSELF WHY NOT? I will tell you what I think, Obama has not gone far enough but its a start.
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BECAUSE BUSH WASN'T PUSHING THEM...ASK YOURSELF WHY NOT? I will tell you what I think, Obama has not gone far enough but its a start.
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How much do I need to pay without health insurance?
I live in Chicago now and I don't have a health insurance. I catch a cold last week and my throat hurts so much. I want to see a doctor this week. How much do I need to pay without health insurance?
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Most doctors in clinics or urgent care centers charge around $80-$100 for an office visit. That's in addition to any treatments they prescribe. You should first check if there's a Walgreen's or CVS with a retail clinic in your area. They are cheaper than a regular doctor's office and can handle simple problems like sore throats.
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Most doctors in clinics or urgent care centers charge around $80-$100 for an office visit. That's in addition to any treatments they prescribe. You should first check if there's a Walgreen's or CVS with a retail clinic in your area. They are cheaper than a regular doctor's office and can handle simple problems like sore throats.
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How can i find a good health insurance company?
I have health insurance right now and i just got a HUGE bill in the mail for what the health insurance did not cover. HELP are all insurance companies out to screw you!? I am sooo frustrated! I am a young person barely making ends meet
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I can certainly understand your frustration. Most health insurance plans are very expensive. However, one way to find a good health insurance company at the most affordable premiums to you is to compare free quotes and plans online from a heath insurance quote provider service. That way you can compare coverage and cost in the convenience of your own home without any sales pressure from an agent. Then, you can contact the agent and request the coverage you want. One leading provider of insurance quotes online since 1993 is InsureMe. You just fill out a form and get up to five free, no obligation quotes for health insurance from leading insurers in your area. You can request free quotes here - http://www.insureme.com/landing.aspx?Ref… Make sure to consider quotes at different deductibles to lower your cost, and consider quarterly or semi-annual premium payments if you can afford it, that may be less expensive than monthly premiums. Best of luck to you! I hope that helps.
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I can certainly understand your frustration. Most health insurance plans are very expensive. However, one way to find a good health insurance company at the most affordable premiums to you is to compare free quotes and plans online from a heath insurance quote provider service. That way you can compare coverage and cost in the convenience of your own home without any sales pressure from an agent. Then, you can contact the agent and request the coverage you want. One leading provider of insurance quotes online since 1993 is InsureMe. You just fill out a form and get up to five free, no obligation quotes for health insurance from leading insurers in your area. You can request free quotes here - http://www.insureme.com/landing.aspx?Ref… Make sure to consider quotes at different deductibles to lower your cost, and consider quarterly or semi-annual premium payments if you can afford it, that may be less expensive than monthly premiums. Best of luck to you! I hope that helps.
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