Health Insurance Underwriting

All health insurance applications with very few exceptions are subject to medical underwriting. Most health insurance applications do get approved and at the rates we quote, however this is not guaranteed or is always the case. Health Insurance applications in most states can be accepted at a preferred rate (the rate we quote) or a higher rate base on your medical history, and other applicable factors. In some states pre existing medical conditions may also be excluded from your policy for a period of time (this can range from one year to permanent), if such condition is determined to be a major cost or risk factor. Excluded specific medical conditions is not something all health insurance carriers do, and in some states this is not permitted.

In virtually all states you can be declined for health insurance if you are considered high risk. Common high risk would include currently pregnant, diabetic, heart problems, cancer problems, or just a combination of too many issues or prescriptions. Yes you can be declined for health insurance in the vast majority of states. Each insurance carrier generally can set their own guidelines for enrollment - so while you may be declined from one company, there very well might be another company we can place you with (varies based on the extent of your conditions).

If you are declined for health insurance, you need to call us as we may be able to place you elsewhere. Most states have a HIGH RISK POOL or HIPAA plans for those who are declined on the individual health insurance market. There are a wide variety of variations and qualifications you need to speak to a licensed agent or contact your state department of insurance for high risk options.

General Disclaimers

• NEVER cancel an existing insurance policy until you have been approved on your new policy and have read ALL of your policy details, terms conditions and limitations.
• ALL insurance policies contain limitations, exclusions and details.
• Even though you have been CHARGED does NOT mean you are approved or active, please wait for official approval notification, effective date, and policy ID number - never assume your insurance coverage is in place.
• EFFECTIVE DATES of policies are generally set or assigned from Insurance carriers directly and we do not guarantee any particular effective date, although we will try to request - effective dates are not set by our agency and we are not responsible for effective date assignment.
• ALL MEDICAL INFORMATION and questions must be DISCLOSED for processing or your policy may be rescinded (coverage removed as never effective) for failure to disclose or to withhold medical or other information. Please note failure to disclose or answer all questions as requested may constitute fraud and may be punishable by law.
• YOU are responsible for your plan choice, deductible, and all option selections and while we may make suggestions - it is YOUR responsibility to review the plan you select and research accordingly.
• YOU are responsible for paying your premiums and complying with all insurance carrier requests to activate a new policy.
• YOU authorize your agency representative to perform certain tasks relating to the application process and disclose required information as required to apply for coverage.
• FREE LOOK period applies to all new policies and you may cancel within your FREE LOOK period without questions, this is generally 10 days from when your policy arrives via postal mail or electronic delivery. If you are not satisfied with your plan selection or underwriting decisions - please let us know promptly so we can find you alternative coverage or cancel per your request.