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ARE YOU
INSURABLE? Preexisting condition information
Applying for individual and family health insurance successfully is
dependent upon your medical history including preexisting conditions.
Some of the most common causes of health insurance declines are listed
below. If you answer YES to one or more of the following questions, you
may not qualify for individual and family health insurance. All known
health conditions can have an effect on your coverage, and it's
important to disclose them to the agent.
1. Are you (or any person to be insured) either pregnant or an expectant
father?
2. Have you (or any person to be insured) been declined or rated up for
health insurance due to medical reasons within the last 5 years?
3. Have you (or any person to be insured) received any medical
consultation or treatment within the last 5 years for: heart disease,
diabetes, cancer, immune system disorders, or any other serious medical
condition?
If you answered YES to any of these questions please call us at
312-341-0546 to discuss the condition and our options. Different
insurance companies have varying policies as to whether or not they will
issue a new health insurance policy for people with these circumstances,
and we will be able to provide advice based on your specific medical
history.
MEDICAL DISCOUNT PROGRAMS (A non-insurance alternative) Care Entree
For those who are not able to get private health insurance or do not
qualify for a state-sponsored plan, a medical discount program may be a
good secondary option. These programs provide access to nationally
recognized networks of physicians, dentists, vision care specialists,
chiropractors, and pharmacies at discounted rates of up to 50%.
Acceptance into these programs is guaranteed, regardless of your medical
history. These programs are relatively inexpensive (starting at $39
per month). Call us for more information at 312-341-0546. |