Low Cost Health Insurance Screening - Pre-Existing Conditions And Drugs That Will Get You Denied!
If you're shopping for low cost health insurance you may want to know these recent facts about screening before you apply.
Every health insurance company will have different guidelines but many follow the same rules.
The best thing you can do is to get completely informed about these guidelines, especially the guidelines regarding pre-existing conditions and prescription drugs or medications.
Many people know and have heard horror stories about people being turned down and denied insurance due to pre-existing conditions but many don't know you can be turned down for taking certain prescription drugs or medications.
Now if you depend on these drugs or medications you won't want to just stop taking them for the purpose of getting health insurance and your medical history, not just taking these medications, may be enough to get you denied even if you did.
Of course if you're taking medications or drugs that you don't really need or are different about then you may want to reconsider.
As part of your health insurance screening you may be denied health insurance coverage if you have any of many pre-existing conditions.
Having gallstones or rheumatoid arthritis will get you an automatic denial.
You can possibly be denied for severe acne.
Other conditions will be more obvious targets.
If you take the diabetes drug Metformin you will probably be denied.
If you take Plavix, the drug commonly used for anti-clotting or take Seroquel which is an anti-psychotic drug used for bi-polar disorder and schizophrenia and often used for sleep problems you'll probably be denied too.
The problem is you can't just deny that you have these conditions or take these drugs, because you will be rejected.
The health insurance companies buy information about you from other companies who are in business to provide it.
They will know all about your health due to your medical history and what prescription drugs you take.
So if you are really healthy you will have an easy time getting health insurance but you are probably the one who doesn't or won't need it.
The insurance companies stand to make the most money this way of course.
They know that even though you may pay several hundred dollars a month in premiums that they will have to pay substantially more from medical costs.
How can you protect yourself in the future? I hate to say don't go to your doctor or don't take any drugs but you may want to rethink what you can do about your drugs you're taking now.
And are you going to your doctor needlessly.
In any case try to protect yourself the best you can and continue to look for low cost health insurance.
Even though there are standard guidelines for most insurance companies, they all differ on some of their guidelines and this will affect the screening process.
You can easily get several health insurance quotes online with one simple process.
Every health insurance company will have different guidelines but many follow the same rules.
The best thing you can do is to get completely informed about these guidelines, especially the guidelines regarding pre-existing conditions and prescription drugs or medications.
Many people know and have heard horror stories about people being turned down and denied insurance due to pre-existing conditions but many don't know you can be turned down for taking certain prescription drugs or medications.
Now if you depend on these drugs or medications you won't want to just stop taking them for the purpose of getting health insurance and your medical history, not just taking these medications, may be enough to get you denied even if you did.
Of course if you're taking medications or drugs that you don't really need or are different about then you may want to reconsider.
As part of your health insurance screening you may be denied health insurance coverage if you have any of many pre-existing conditions.
Having gallstones or rheumatoid arthritis will get you an automatic denial.
You can possibly be denied for severe acne.
Other conditions will be more obvious targets.
If you take the diabetes drug Metformin you will probably be denied.
If you take Plavix, the drug commonly used for anti-clotting or take Seroquel which is an anti-psychotic drug used for bi-polar disorder and schizophrenia and often used for sleep problems you'll probably be denied too.
The problem is you can't just deny that you have these conditions or take these drugs, because you will be rejected.
The health insurance companies buy information about you from other companies who are in business to provide it.
They will know all about your health due to your medical history and what prescription drugs you take.
So if you are really healthy you will have an easy time getting health insurance but you are probably the one who doesn't or won't need it.
The insurance companies stand to make the most money this way of course.
They know that even though you may pay several hundred dollars a month in premiums that they will have to pay substantially more from medical costs.
How can you protect yourself in the future? I hate to say don't go to your doctor or don't take any drugs but you may want to rethink what you can do about your drugs you're taking now.
And are you going to your doctor needlessly.
In any case try to protect yourself the best you can and continue to look for low cost health insurance.
Even though there are standard guidelines for most insurance companies, they all differ on some of their guidelines and this will affect the screening process.
You can easily get several health insurance quotes online with one simple process.