Getting Denied For Health Insurance is Easy

individual market will require an application to be complete with the first month’s premium deposit for consideration. The reason why insurers request this deposit is to ensure the applicant is serious about applying since they will incur administrative cost to determine if they will insure you or not, however some insurers will only withdraw funds if your approved while others will take the first months premium deposit and refund you if you decline their offer or if you are declined coverage altogether. Basically the entire process is two fold while you are considering them they are considering you. 

 

There are many reasons why an insurer will come back with a much higher price than anticipated in regards to the benefits you apply for or decline the application altogether. Here are just a few common examples.

 

Height and Weight: The physical condition of a proposed insured is of basic significance in underwriting. One of the determinants of physical condition is build. Build includes height, weight, and distribution of the weight. Experience has shown that being overweight increases the likelihood of death or sickness at all ages so for an insurer to justify the cost they will raise your rate accordingly if accepted. 

 

High Blood Pressure: Hypertension or High Blood Pressure is an intermittent or sustained elevation of diastolic or systolic blood pressure. Hypertension is a major cause of stroke, cardiac disease, and renal