What is Checked When I Apply for Health Insurance?
You may think that you need to have your blood work drawn or visit a doctor when applying for health insurance, but this is not the case. There is also no credit check.
Instead, once I take your application, your policy is reviewed by an insurance underwriter. Depending on the requirements for your insurance, the insurance underwriter may pull a copy of your medical and prescription record from the Medical Insurance Bureau (MIB) to verify your medical and prescription history.
These records provide information about any medical treatments you may have had, as well as a list of prescriptions that you have had filled. If the doctor prescribed a medication that you did not get filled, it will not be on you record.
Based on the information from these reports, the underwriter can then determine whether you can qualify for the type of plan that you want or if we need to see what other plans are available for you.
Contact me now to set up an appointment for your free consultation. There are three ways to do that:
- You can reach me at 770-527-5598
- Email me at Amy@InsuranceNana.com
- Simply use the convenient contact page on my website
FAQs: What You Need to Know
As the Insurance Nana, I have the knowledge to help you find the best health care coverage for your family. I specialize in affordable health and life insurance for the Southeast, expanding your options beyond Obamacare.
I serve those who want to purchase the best affordable insurance possible but don’t know where to begin. This includes those that are self-employed, and those with small businesses with 1-20 employees.
Click on any of the links below to find out more information.