Underwriting insurance for pre paid health care Forms for San Antonio
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FAQ
Yes. Under the Affordable Care Act, health insurance companies can't refuse to cover you or charge you more just because you have a pre-existing condition that is, a health problem you had before the date that new health coverage starts.
Underwriters look at your medical history, your height/weight ratio, your family's medical history and your driving history. Basically, they will consider anything that might impact how long you are likely to live.
Underwriting or medical underwriting is process that insurance companies routinely used prior to 2014 particularly in the individual insurance market to determine if an applicant was an acceptable risk, and if so, how much to charge in premiums based on the applicant's medical history.
A process used by insurance companies to try to figure out your health status when you're applying for health insurance coverage to determine whether to offer you coverage, at what price, and with what exclusions or limits.
Underwriting or medical underwriting is process that insurance companies routinely used prior to 2014 particularly in the individual insurance market to determine if an applicant was an acceptable risk, and if so, how much to charge in premiums based on the applicant's medical history.
Your application: The basic source of underwriting information is your completed application for term insurance. The questions on the application are designed to give the insurer much of the information needed to make a decision.