What are your health coverage needs?
Understand first...then decide
When you are looking for health coverage you need to ask certain questions prior to your search.
The answer to these questions will help you be realistic in determining what you can or can not purchase, afford, or qualify for.
If you are currently employed and coverage is provided by your employer, then that is most likely the best coverage to retain. Anyone who currently has coverage through a group or through a main insurance carrier really should think twice before terminating coverage with them, unless the following issues exist:
• You are being terminated from your employer in the near future.
• You can not afford the current coverage you have.
• You are completely dissatisfied with your current coverage.
A most difficult thing for those who are seeking health coverage is to be realistic as to what they can obtain. If you are healthy, no pre-existing conditions, then for the most part you need not worry, you can obtain major medical or basic health insurance, have your application approved and you are good to go. But what about those who do not fall in this category?
If you can answer yes to any of the following questions then BE PREPARED! Purchasing major medical health insurance will be a problem for you.
• Have you been without coverage for over 63 days?
• Do you have any history of coronary disease, heart attack or stroke?
• Do you have any pre-existing health conditions that you take medication for?
• Do you smoke?
• Are you more than 40 pounds overweight?
If you have answered yes to any of the above and perhaps you are thinking you will just answer no to the provider you are applying for, you will be surprised. Costs of healthcare have escalated to such a level that health coverage providers are being forced to choose carefully who they approve for health coverage.
When applying for full health insurance and you had no previous coverage, they will check your medical history, contact your family physician, and request that a nurse contact you to arrange for a blood test, check your blood pressure, and sometimes go over a family history questionnaire. Any attempt at falsifying any medical information to a health care provider is not a wise thing to do.
So now what? There are alternatives that can provide basic coverage to minimize the financial devastation should a serious medical condition arise. Although not considered major medical health coverage, many of these limited benefit insurance plans are becoming increasing popular for those who have no alternative and can not obtain full health insurance. If this applies to you then you should consider examining some of the health providers that offer these alternative types of coverage.
If you are currently employed and coverage is provided by your employer, then that is most likely the best coverage to retain. Anyone who currently has coverage through a group or through a main insurance carrier really should think twice before terminating coverage with them, unless the following issues exist:
• You are being terminated from your employer in the near future.
• You can not afford the current coverage you have.
• You are completely dissatisfied with your current coverage.
A most difficult thing for those who are seeking health coverage is to be realistic as to what they can obtain. If you are healthy, no pre-existing conditions, then for the most part you need not worry, you can obtain major medical or basic health insurance, have your application approved and you are good to go. But what about those who do not fall in this category?
If you can answer yes to any of the following questions then BE PREPARED! Purchasing major medical health insurance will be a problem for you.
• Have you been without coverage for over 63 days?
• Do you have any history of coronary disease, heart attack or stroke?
• Do you have any pre-existing health conditions that you take medication for?
• Do you smoke?
• Are you more than 40 pounds overweight?
If you have answered yes to any of the above and perhaps you are thinking you will just answer no to the provider you are applying for, you will be surprised. Costs of healthcare have escalated to such a level that health coverage providers are being forced to choose carefully who they approve for health coverage.
When applying for full health insurance and you had no previous coverage, they will check your medical history, contact your family physician, and request that a nurse contact you to arrange for a blood test, check your blood pressure, and sometimes go over a family history questionnaire. Any attempt at falsifying any medical information to a health care provider is not a wise thing to do.
So now what? There are alternatives that can provide basic coverage to minimize the financial devastation should a serious medical condition arise. Although not considered major medical health coverage, many of these limited benefit insurance plans are becoming increasing popular for those who have no alternative and can not obtain full health insurance. If this applies to you then you should consider examining some of the health providers that offer these alternative types of coverage.
