mardi 27 mars 2012
New York Individual and Family Health Insurance
In New York, individual or family health insurance policies are not
guaranteed. Most New York health insurance policies are medically
underwritten, which allows insurance companies to deny coverage to
anyone based on their current or past medical history, including
pre-existing conditions. When applying for health insurance, you will
be asked to fill out a comprehensive questionnaire, covering everything
from current and past medical status and family medical history
(parents, siblings, etc) to life-style questions, such as smoking
habits, alcohol consumption, etc. New York health insurance premiums
will vary according to age, gender and the type of health insurance
plan that has been applied for. If you do have a pre-existing medical
condition, there are three different options which may be offered to
you. One is that you may be denied any and all health insurance
coverage, which is within the New York health insurance company's
rights. The second option is that you may be offered coverage, but with
a rider attached. This rider simply states that the insurance company
is not liable and will not cover any claims deemed to be related to the
pre-existing condition. The third option is that you may qualify for
full coverage, but you can expect that your premiums will be higher
than those of a healthy individual.
Inscription à :
Publier les commentaires (Atom)
Aucun commentaire:
Enregistrer un commentaire