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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?
WHAT TO DO WHEN THE WEIGHT CHART SAYS YOU AREN’T TALL ENOUGH?
The weight charts for the various insurance companies certainly are not
standardized. Here are weight limits of several companies for a male 5’10”:
158-215 lbs;
115-199 lbs; 119-191 lbs; maximum 232 lbs. Since all companies use different
weight charts, it is good to deal with a broker who represents many
companies. He
may have a plan that has generous weight charts , which will accept you for
coverage.
If you think you may have borderline weight, ask the broker. It may be that
by losing a few pounds you can get coverage. But remember, if medical
records are
asked for, the insurance company will look closely at your listed weight on
your most recent medical exam.
Insurance companies never budge from the numbers on a weight chart. If a
person is even one pound over the listed permitted weight, he will be
declined for coverage.
However, you always have the option of short-term insurance plans. These
plans can be renewed for three years. Then you can re-apply for another
short-term plan.
While on these short-term plans you may lose sufficient weight, and then you
can apply for one of the long-term plans that provide much better health
insurance
coverage.
| Need Help? Call 480/813-9100; Fax 480/813-9930; Email: info@gninsurance.com |
