Ok. So you’ve been shopping for a health insurance plan for your family. You’ve collected quotes, compared plans, and now you’re ready to apply. Your next step to getting health insurance shifts to new questions. Is completing an application fairly simple? Are there steps you can take to improve your chances of getting approved? Is there a way the process can be speeded up? Could you apply for one plan and put other family members on a different plan? Yes, yes, and yes! See below for what to expect when applying for health insurance. For more information and a visual display of the steps, please click private health insurance.
How difficult is it to complete a Health Insurance Application?
Filling out a private health insurance application is not usually too difficult. You will know the answers to most if not all of the questions off the top of your head. If you have a pre-existing condition, it could take a little more time. Essentially, you’ll be answering questions to give a snapshot of your health history. Most medical questionnaires will ask if you’ve been diagnosed or treated for certain conditions, etc. Before you begin completing the questionnaire, have any prescriptions handy, as well as your last doctor’s contact information. You will need to include the information on the application.
How do I improve my chances of getting approved?
Medical insurance underwriters will review your private health insurance application to see if you meet the eligibility guidelines. There’s not much you can do to change your history, however, there are a few things you can do to improve your chances of meeting the grade:
• Answer questions with the appropriate amount of detail: For example, if you had something simple like the stomach flu, you would list it as a ‘minor illness’ and a short explanation of the symptoms would suffice. If applicable, use words like ‘minor’, ‘now resolved’, and ‘without recommendation for further treatment’ will help the underwriter understand that the situation was minor and/or is now resolved.
• Answer just the questions on the application: Be honest and accurate; however there is no need to share information that is outside of the time period indicated. For instance, if the question asks if you had a doctor’s visit in the last 12 months and yours was 14 months ago, it might not be necessary to include it. I say ‘maybe’ because there may be other questions on the application that specifically ask about your condition.
How can I speed up the process?
This section is about things you can do to help the insurance company review your health insurance application. Some of the things you can do are:
• Complete the form: When crucial information is missing, the insurance company may call or mail you a letter, so this will delay the process. If they don’t receive the additional information by a certain period, your private health insurance application will most likely be cancelled.
• Apply online: When possible, use the online application to enroll. This can shave quite a few days of waiting.
• Include additional paperwork if needed: For example, child-only applications often require additional paperwork, such as proof of a qualifying event.
Should I put some family members on different plans?
Sometimes, it’s ideal to enroll different family members on different plans. A wife may need a plan with maternity benefits, but the husband does not. As such, this couple would just complete separate health insurance applications and mark the particular plan they want. It’s a way of customizing benefits to meet your family’s personal needs.