What does “approval” or “declined” mean?
Insurance companies approve or decline an application after evaluating the applying family’s health history. This process is called medical underwriting, and it often requires review of medical records, health history, and health insurance history. We are very skilled at helping our customers through the underwriting process. An approval means that the insurance company is willing to insure those applying. So approval packets often contain the insurance policy/certificate and insurance ID cards. Sometimes, approvals have conditions attached, such as, rate adjustments, not covering all family members, or excluding coverage for a pre-existing health condition for up to 12 months. A decline means that the insurance company is not willing to insure those who applied. If declined, then the insurance company will refund all payments, except for any non-refundable fees. Anyone who is declined should not lose hope. Often, a different insurance company will gladly cover a family who has been de
