Did you have health issues in the past? Or are you currently taking prescription medications? Are you going to have or have you had trouble obtaining health insurance in California?The fact is, when you apply for an individual health insurance policy in California, you have to go through medical underwriting, unlike group health insurance policies. Therefore, you could be declined for health care for a number of reasons including the above mentioned.
I have been a health insurance agent in Southern California, Los Angeles region for over 16 years. I always advise my clients that if you currently have health insurance, even if you’re not happy with the plan, or think you’re paying too much, DO NOT cancel your current coverage until you’ve been approved for a new plan! Just because you were approved before, your health could have changed since the original application was submitted and therefore there is no guarantee you will be approved again.
If you are declined, we will go over your options at that time. Based on the reason for decline, we could appeal the decision, or simply apply to another carrier in Southern California. Since most carriers use similar underwriting guidelines, we will want to address the health issue or issues in question to give you the best possible chance of a favorable outcome next time around.
Faced with these and other flu-related frights tossed about in the media, it’s no wonder Americans, with and without health insurance, are afraid they’re staring at another, catastrophic flu pandemic.
Of course, the use of pathogenic and pandemic don’t quell fears.
But consider the meaning:
• pathogenic: capable of producing disease
• pandemic: the presence of disease over a large geographical area
Clearly, neither predicts catastrophe. And with H1N1, catastrophe is not likely.
Though there’s no cure for Swine Flu, the H1N1 Vaccine, available now, reduces the risk of infection. Trials supervised by the National Institutes of Health found that a single dose of the H1N1 vaccine is enough to grant immunity in adults in only three weeks.
Did you have health issues in the past? Or are you currently taking prescription medications? Are you going to have or have you had trouble obtaining health insurance in California?
The fact is, when you apply for an individual health insurance policy in California, you have to go through medical underwriting, unlike group health insurance policies. Therefore, you could be declined for health care for a number of reasons including the above mentioned.
Todd firmly believes that attaining health coverage is possible for anyone and works tirelessly to that end for his clients. He also believes that though not every event in our lives is under our control, the way in which we care for our minds and bodies is. Health care, he says, is not only the responsibility of a health insurance company, but the responsibility of every individual regardless of their coverage.
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