Health Insurance FAQWhen you want to learn about health insurance FAQ, a good place to look is on an insurance company's web site. Many of them have a section devoted to FAQ consumers have about health insurance. If you don't see the answer to your question posted, you can contact the company or your insurance agent directly to ask for clarification.
What Are Examples of Pre-existing Conditions? You may be turned down for health insurance if you have a history of alcoholism or drug abuse. If you have had a heart attack within the last five years, most insurance companies will deny coverage as well. If you have AIDS, diabetes, are obese, or pregnant, you won't be able to get insurance coverage.
What Options Do I Have If I Have Been Turned Down for Insurance Because of a Pre-existing Condition? In this situation, you should look into a guaranteed issue health insurance policy. After you have been insured for a certain period of time (for example, 12 months), you would be able to get coverage for your pre-existing condition. You may need to satisfy some conditions before being covered, such as being employed for a certain period of time or a current member of a particular association.
Do I Need to Wait Until I Have Met My Deductible Before I Go To See My Doctor? Under the terms of most insurance policies, you don't need to meet your deductible to get medical care. Check your policy to make sure, but for many companies, the deductible will only apply if you are admitted to the hospital. For doctor visits and prescription medications, you would only need to pay your co-payment amount.
Will My Premium Be Lower If I Deal With An Insurance Company Directly? You will be charged the same rate if you deal with an independent insurance agent or the company directly. Insurance rates are set by the state, and you can deal with whoever you feel most comfortable with. You do not pay any extra fees to the insurance agent to arrange coverage for you, and it would be unethical for the insurance agent to ask you to pay one.
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