The insurance company may reject my application because there is too much risk

The insurance company may reject my application because there is too much risk I will have major problems during the year. Alternatively, they may offer me a policy with very high premiums or a rider that excludes coverage for any medical costs related to my heart condition. The exact approach often depends on the state you are in due to legal requirements, but neither of these two options are very good.

The debate has covered everything from a set list to 10 broad categories. Things like professional services performed by physicians and other health professionals, hospitalizations, and medication costs have been included in the list of essential benefits.

Can we take precedence on any previous policy plans and use it as an example? Not really, but many organizations like The National Health Council and Health & Human Services are working together to create a list of important and useful benefits that most insurers should think about covering on their basic plans.

 

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Ajouté le 08/01/2012 par rsgolduna -