Health Insurance Ideas
Health Insurance Ideas is an informational web site designed by a licensed health insurance agent that is intended to detail for you the health insurance application process. I’m going to explain to you in plain english, the process and terminology of applying for, and receiving a health insurance policy.
If you’re looking for you own health insurance policy, chances are you either have
a job where they don’t supply employees with health insurance coverage, unfortunately
this trend is growing more and more common everyday, or you are self-
I could go on and on about the prospects of a government sponsored national health insurance program, but that conversation is better left for another day.
My purpose here, is to explain to you the process, procedures, questions, and the necessary information you must have to apply for a health insurance policy. You should have this information ready for all the family members you intend to seek health insurance coverage for.
By the time you are done with this web site, you will have the ability to talk intelligently about your health insurance needs with any licensed health insurance agent.
First of all, lets go over a few of the different types of health insurance coverage plans that are available. Keep in mind, we are only going to discuss individual health insurance, family health insurance, and student health insurance plans here.
If you are familiar with a health insurance plan we don’t discuss here, more than likely it is associated with a group health insurance product. I will touch on a few of the group health insurance products, just so you become aware of the different terminologies.
We will discuss terms like:
Major Medical Health Insurance Plans
Health Saving Account Plans
Limited Benefit Health Insurance
Individual Health Insurance
Family Health Insurance
Student Health Insurance
Short Term Health Insurance
Dental Insurance
Vision Insurance
Discount Health Plans
The information you will need to have available to complete a health insurance application will include the following:
You should have the names, address, and phone numbers of all primary care, and specialist physicians, including dentists.
Complete medical history of illness, and injury for each proposed insured, with dates and outcomes of each condition. Some health insurance company applications are more detailed than others. Some will only ask for a 3 to 5 year medical history, others will make you list virtually everything back to child birth. The more detailed and prepared you are the quicker the process.
Finally, a detailed list of all prescription medicines taken in the past, or currently in use, for each family member. With starting dates, and ending dates for each drug, also the reason for it’s use.
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