Ohio Health Insurance Quote

Looking for an Ohio health insurance quote? This is the place! We would encourage you to read the short article below so that you are familiar with the process and why your rates are subject to underwriting. If you are ready, though to begin the easy process of getting your instant health insurance quotes. Just fill out our Get a Quote form.

Why Can't I Get Final Rates Until I Submit an Application?

Ever wonder what happens when you submit an application for health insurance? Well, it goes directly to medical underwriting. This is the group which decides whether or not you are eligible for coverage and at what rating tier.

Medical underwriting is the process of estimating the morbidity risk of an applicant for health insurance coverage. Various sources are used for estimating this risk; however, the most important is the application.

A few things to be aware of.

• Decisions for applicants contemplating surgery will be postponed until surgery is completed
• Applicants with several conditions may be declined due to the combination of conditions
• The ratings on several conditions, including build, will be adjusted for age
• Decisions for expectant parents will be postponed until after delivery
• All ratings will depend on the benefit plan and deductible selected
• If health information is discovered that is not on the application, it will be referenced as Protected Health Information and cannot be released to the agent per HIPAA guidelines, Correspondence will be handled between the applicant and underwriting
• Prescription drug usage will be rated for dosage and cost. This could result in an offer of no prescription coverage.

Ohio Individual and Family Health Insurance - 5 Myths

If you have any questions about a specific condition or situation, don't hesitate to contact our health insurance agency !