What are the underwriters looking for when evaluating a Texas health insurance plan?
An insurance company is asking themselves the following questions: 1. What is the likelihood that this individual will require treatment of any type for their illness in the future? The answer needs to be that is no more likelihood than anyone else. So, if you have controlled high blood pressure but smoke and are a little too heavy, they might not like the odds. 2. Has the physician written anything in the medical records to indicate that surgery or any special medical procedures will be required in the future. A little note like “might require a blah-blah in the future” can eliminate you very easily. 3. Will your medical history make you more likely to develop other related problems in the future. Sometimes this situation is handled with riders to exclude the possibility of the insurance company getting stuck for a bill. Even if your blood pressure is controlled with medication, if you smoke a pack a day and haven’t seen your toes in ten years, forget about health insurance. I thought
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- What are the underwriters looking for when evaluating a Texas health insurance plan?
