Dos and Don'ts When Completing Individual Health Insurance Application

 If you do not have access to a group employer plan then the other option you have is to apply for an individual health insurance plan. Individual health insurance applications require more information from you than group health insurance plans that you might have had through a job. The reason for that is that individuals, and that applies to family health plans, are medically underwritten. That means that a person called a medical underwriter will go over your medical application and decide if you are a good risk for the insurance company. The main reason for medical underwriting is to keep the overall cost for everyone low. The more insurance company has to pay out in claims the more they have to charge everyone for health insurance to keep the average cost down.

If you have already had a chance to take a look at individual applications then you probably know that it can be long. How much of the application you have to fill out depends on your previous medical history. If you are in perfect health then there is not much that you can write on your application other than some basic information. If you are someone who has been to the doctor for lab work, or a test or takes prescription medication then you would have to include that on your application. Most individual applications require you to provide information about your doctor or the last doctor you have been to. If you are not sure of the name of the doctor you can always include the hospital name, clinic name, or doctor's practice name. When it comes to the dates of your last doctor's office visit or any other dates. If you do not remember the exact dates, just put down your best estimate.

The most important thing to keep in mind when filling out individual or family applications, especially if you do have some medical issues, is to understand this. Until there is a permanent change to the health care system and health insurance is not medically underwritten. The insurance company will consider every condition that you have and every medication that you take. 

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