Are you insurable?
 

 

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.

 
 
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