If there is one thing that people hate to do, it is to shop for health insurance. The truth is that when people think of looking for medical insurance, the first thing that comes to mind is hours and hours of sitting on the phone. They also think of having to deal with brokers or [...] Read the full Article »

When they get an insurance rate quote back from a health insurance company, most people don’t think too much about how the insurance company decided what kind of premium to offer them and what extent of coverage to offer them. The answer to this question is medical underwriting: the medical health status information gathered in [...] Read the full Article »

Medical underwriting is a process that you must go through when you start to apply for health insurance. Underwriting as a whole involves a loan department (in this case a health insurance company) reviewing and accepting an application presented to them. In the medical world, this process will also involve an assessment of whether or [...] Read the full Article »

Many people need to go through a medical underwriting process before they are permitted to sign up for health insurance. This can be a very traumatic and terrible experience for many people. The process is invasive, lengthy, and filled with all sorts of loopholes and requirements. Meanwhile something very important is on the line: your [...] Read the full Article »

If you are a first-time policyholder, you are probably feeling overwhelmed by the choices of companies and different kinds of coverage to choose from. Of all the things to procrastinate, getting health insurance is the most tempting, and yet one which requires immediate attention if you are currently uninsured. There are two different ways to [...] Read the full Article »

Health insurance presents a great mystery to many people. One aspect about the health insurance industry that confuses people the most is how insurance companies decide who they will cover and who they will reject. This question usually comes about when two people, who appear to be in the same state of health, apply to [...] Read the full Article »

Medical underwriting is something that is done by most health insurance providers. It involves assessing your healthcare history. If your health is deemed to be fit enough, you will get accepted with no questions asked. Things get a little bit hairier if you have a pre-existing condition. What exactly happens in this situation will depend [...] Read the full Article »

Medical underwriting refers to the process in which insurance companies use health or medical information to make decisions about your medical insurance coverage, including your premiums and whether to offer you coverage at all. While insurance companies believes that the use of underwriting keeps premium rates low, it is also a controversial practice that is [...] Read the full Article »

Health insurance presents a great mystery to many people. One aspect about the health insurance industry that confuses people the most is how insurance companies decide who they will cover and who they will reject. This question usually comes about when two people, who appear to be in the same state of health, apply to [...] Read the full Article »

Whenever you ask for an insurance quote, you’re invariably asked whether or  not you have any pre-existing medical conditions. The reason that insurance  companies ask this question is because, without knowing what kind of health  you’re in, they can’t possibly estimate how much coverage you’ll need. For  insurance companies to survive, they need to make [...] Read the full Article »