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Health Insurance Eligibility
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When it comes to health insurance eligibility, individual policies are for those in most cases who have not had any medical conditions or have not had medical treatment for medical conditions over a certain time frame designated by the health insurance company. To confirm your health insurance eligibility, insurance issuance is usually available following a medical review called medical underwriting, based on the health status, prior medical history, age, gender, and other characteristics of applicants. Essentially, medical underwriting is a way for health insurance companies to rate the risk of insuring certain individuals. (Medical Underwriting is illegal in some states) Your degree of risk will establish the size premium you will pay or in some cases the denial of health insurance coverage. Once you are underwritten and insured you should know that you will not be covered for any condition which you have or had before the day that you take out the health insurance policy.