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DEDUCTIBLE IS NOT A DIRTY WORD
INSURANCE WAIVERS/RIDERS, RATE-UPS, & CAPPED COVERAGE
WHAT'S A “RIDER”? WHAT'S A “WAIVER”?
PRE-EXISTING CONDITIONS
WHAT'S
A “PRE-EXISTING CONDITION”?
EXCLUSIONS
WEIGHT, WEIGHT CHARTS AND HEALTH INSURANCE
AGE AND INSURANCE PREMIUM
UNDERWRITING
- WHAT IS IT?
TRIP OR HEALTH INSURANCE -- WHAT'S THE
DIFFERENCE?
AMERICAN PPOs & HMOs - WHAT'S THE
DIFFERENCE?
HIPAA / PORTABILITY INSURANCE
THE DIFFERENCE BETWEEN AN INSURANCE BROKERAGE & AGENCY
WHAT IS A “CERTIFICATE OF INSURANCE”
THE “PRE-EXISTING CONDITION” PROBLEM?
WHAT IS CO-INSURANCE?
UNDERWRITING
AT THE POINT OF APPLICATION
HOW DOES AN INSURANCE COMPANY DETERMINE
PREEXISTING CONDITIONS?
WHAT TO DO WHEN THE WEIGHT CHART SAYS YOU AREN’T TALL
ENOUGH?
HOW DOES AN INSURANCE COMPANY DETERMINE PREEXISTING CONDITIONS?
When an insurance company refuses to cover a medical expense and labels the
medical problem as a preexisting condition, we often get upset and feel that
the
insurance company is not dealing fairly with us. We need to know how the
insurance company comes up with the preexisting designation on medical
conditions.
First of all, they look closely at your application. If you have written
anything indicating a preexisting condition, that will be their first reason
to label a condition
preexisting. But your doctor’s records are also important. Often we forget
what we told a doctor during past office visits. And we don’t know
everything the doctor
writes down on his records. If an insurance company is seriously
investigating coverage for a preexisting condition, they will ask for your
doctor’s records. They may
also contact the doctor personally, especially in big cases.
If you have stated something on your application that indicates a possible
preexisting condition, even if the doctor’s records do not mention that
medical condition,
the insurance companies will exclude coverage based on what you wrote on
your application.
If you are concerned that all of your preexisting conditions be covered,
make sure that you get an insurance plan that covers them. There are plans
that provide
limited and also total coverage for preexisting conditions.
| Need Help? Call 480/813-9100; Fax 480/813-9930; Email: info@gninsurance.com |
