Florida Health Insurance Applications

Florida Health Insurance Applications
Eliminating Future Claim Problems

If you are applying for Florida health insurance or health insurance in any state, following these simple instructions will help you avoid any claim problems in the future. The downside is that Michael Moore will not be able to use you in any of his future documentaries.

You get a quote for health insurance and now the application is in your hands or you are looking at it online. The damn thing wants to know if you took an aspirin 10 years ago. Who the heck remembers this stuff?

Don’t panic, its not that bad.

I want you to keep this in mind. Never, ever, give an insurance carrier a reason to deny your claim due to something you did not report on your application. Once you write it down and they still give you health insurance, they cannot do a thing about it.

Sounds like you are dealing with a potential opponent? Well that is exactly how I look at it and so should you.

First of all, you have to get into the mind of the health insurance company. Why are they asking you all of these questions? Do you think they really care that you had the flu five years ago?

By the way, this is not just for Florida health insurance. The information presented here apply to most states.

What they are trying to find out is:

Do you have or have you had any medical issues that still require attention? This means prescriptions, testing, regular visits, monitoring or a future procedure or test. The do not want to pay for them if they can avoid it.

Is there something about you that would make you more likely to have a problem in the future than a “perfectly healthy” individual? Are you overweight? Have you had a problem in the past that makes it more likely for you to have some other problem in the future like high blood pressure combined with smoking

Are there any medical issues that they did not ask you about? Or, are there medical issues that you did not see a question for? They want to cover all of the bases.

If you put something down on the application or answer “yes” to a question, you cannot say “I don’t remember the doctor’s name, where they are located or what hospital I had surgery in.” They will just assume that you are trying to hide something and decline the application.

Go online, ask friends, relatives and neighbors if they know the doctor. If you do not remember the exact dates, that is alright. You can put down an approximate month and year and tell them it is approximate. Most of the time they will not even bother to get the records anyway. But, they are very anal about the forms and do not want to see white space.

If you were taking a prescription and stopped taking it on your own, without your doctor discontinuing the medication, you are a non-compliant patient and will not get health insurance.

Call the physician and get them write it in the records that you do not need it anymore. If you need it and cannot afford it, get samples or a generic.

If you were asked get a particular test and never had the test, the insurance company will decline you. If you do not need the test, get the physician to write it on the records. Or find a physician who will. It seems like insanity, but one way or another, the insurance company will be looking for the test result.

If you child had one ear infection two years ago, that is not a big deal. If they had three this year, then it is a chronic condition and the carrier is interested in knowing about it.

We get applications every day that have incomplete information. I know it is tedious and a real pain in the ass to get everything filled in properly, but you just have to bite the bullet and do it.

The forms have columns where they ask question number, dates, condition, etc. Fill them in or use a separate sheet to do it. If you send it in without complete information, you are wasting your time.

Phone Interviews

A lot of people get rejected because they just could not stop talking. If you are interviewed over the telephone by the carrier, answer the question completely and honestly. But, do not volunteer information. If you went to the emergency room for a pain in your chest and they said it was indigestion, a better way to describe it would be "I had some discomfort in my chest and went to the emergency room. They ran tests which were all negative and told me it was indigestion. I have not any problems since then."

Do not say, "I thought I was having a heart attack so I went to the emergency room. They said it probably was not a heart attack and might have been indigestion.".

You will be giving them the hospital name and dates. Let them find out the details if they choose to do so. Do not self-diagnose.

Labels

A basal cell should not be described on the application as skin cancer. A lump may not be a tumor. Do not use jargon if you are not certain as to how to use it. You will just give the underwriter the wrong idea.

You can give me a call at 800-272-0512 or send me an email by clicking here.

FLQUOTE.COM - A Full Service Insurance located in Florida

1-800-272-0512
1-954-757-0033

Florida license number A301602

Florida Health Insurance Applications

Florida Health Insurance Applications Eliminating Future Claim Problems

FLQUOTE.COM™©2006 All rights reserved.

Florida Health Insurance Applications
Eliminating Future Claim Problems