Health Insurance – Medical History – Get approved for the Benefits you Need

In a sense, you can say that there are two kinds of people in this world. On the one hand, there are those who get health insurance offered from their employers as benefits. These are the lucky people who don’t have to think about insurance and will probably even get some good rates since they are part of a group plan. On the other hand, you have those who have to fend for themselves when it comes to getting reliable coverage. If you fall into this latter category, then this article is for you. When you are looking for health insurance, the number one determinant when it comes to the kind of rates you will have to pay is your medical history.

Also, they will not need to receive a number of treatments and have a number of tests taken. These people have a clean medical history. Chances are that they will not need to purchase a large amount of pharmaceuticals. The reason is because these are the people who will be going to the doctor less often. They will not need to see specialist after specialist. If you are unfamiliar with how health insurance companies work, then you should know that those who are young and have good health are going to get unbelievable rates.

This doesn’t mean, if you fall into this group, that you have to suffer without coverage. In some cases, people are even denied medical coverage when they don’t have high incomes and have long records of poor health. The medical underwriters are going to assume that you are going to be demanding a lot of payments, therefore they may give you over the top rates. If you have a medical history that shows unhealthy behavior and a record of poor health and chronic problems, then you are going to have to pay a lot more.

In other words, instead of getting angry or upset about it, your first step should be to make the process of getting insurance as easy as possible. You may not want to hear this, and you may not even feel that this is right, but this is the way the business is run. The first thing you have to understand about health insurance and the medical underwriting process is that the insurance business is a business, which means that there are certain steps that they must take to assure that they are making the best decisions for their company.

This puts the power in your hands. You can decide which plan is best for you. As a matter of fact, you can get some free quotes online right now that will give you a better idea about what you are dealing with. This is the only way to make sure that you end up with coverage that you can afford. You shouldn’t just assume that you will be left without coverage. If you have a poor medical history, you have to shop competitively. In other words, you have to begin comparing all of the different plans and rates.

Sean L Johnson is a journalist for Health Insurance Buyer a referral service that connects consumers to the insurance carriers that can best fit their wants or special needs. Click on link to obtain your free rate for healht insurance even if diagnosed wiht pre-existing conditions