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That
sounds like a weird question. Is it better to get it in the
Spring or Fall or on Monday? No, that’s not the point. The best time
to get health insurance is when you are healthy. We are a brokerage,
and get hundreds of calls every year asking for insurance. Often
their great motivating factors: I am pregnant. I have an ulcer. I
need to go to the doctor. I can’t pay for my prescription
medication. The worst time to try to get insurance is when you are
sick or need to see the doctor. Sometimes a person will say, “I just
don’t know what is wrong with me.” That is worse than having an
ulcer, and it will be a certain decline on an insurance application.
Insurance companies want to always know what the health problem is,
i.e., what they are insuring.
The best time to get insurance is when you are healthy. Usually
young men don’t think that they need insurance. They will say, “I
never get sick.” If you are certain one hundred percent that you
will never get sick, then you don’t need health insurance. But who
knows that. Someone will say, “I am 52 and have never been sick and
have never had insurance.” You have been very fortunate. However,
you may get sick tomorrow. And the odds of you having major medical
problems increase with age; and over the age of 50 the odds increase
dramatically.
If you are now healthy, this is the best time for you to get
insurance. If you develop a medical condition, it is going to be
very difficult to get insurance or good insurance with a
pre-existing medical condition. |
