Think it’s hard to apply for individual health insurance? The following tips help you apply for individual health insurance. Health insurance applications that include all of the following are generally processed in half the time of applications with missing information. Remember: the more complete the information you give, the faster you are approved.
- Prior health insurance information: include the start & end dates, as well as company name & identification number if known.
- Health History: for all “yes” answers make sure to follow up with as detailed as possible an explanation of dates, treatment, & current status (still receiving treatment or is it resolved?)
- Doctor’s information: complete last doctor’s visit, date, reason for visit, doctor’s name, phone number, address.
- Prescription Medications: be sure to list all of the medications you are taking or have taken in the last 12 months. Include name of Rx, dosage , frequency, & name of the prescribing physician.
- Signatures / Dates: remember to sign & date all indicated areas of your individual / family health insurance application.
- Payment Method: include payment with your individual / family health insurance application. Some carriers will not accept an application with out the first premium payment. Make checks payable to the insurance company (not me J). Indicate how you would like to take care of future premium payments.
Submit your individual health insurance application: If you are completing an individual health insurance application by paper, remember to make a copy for your records & return it to our office for submission. We’ll track your health insurance application for you.
For those of you who are Internet friendly, apply on-line for your individual health insurance!
- individual health insurance applications are approved more rapidly. If you are very healthy, and have a limited health history, it is as simple as 1-2-3.
- Go to our website, teaguefs.com & click on apply now. Create your profile, username and password. You can start your individual health insurance application and submit it directly to the carrier. If something comes up and you need to place your individual health insurance application on hold, you may save it and return at a more convenient time.
- On-line individual health insurance applications are always 100% complete. The system doesn’t allow you to submit your individual health insurance application with missing information.
If you have a more have involved health history and have medical information to include on your individual health insurance application, I recommend you apply for individual health insurance with a paper application. If you have concerns about being approved for individual health insurance, call me. I would be more than happy to submit a trial application. We will include your basic information; height / weight, age, diagnosis, and any prescription drugs you are currently taking, as well as all of your questions and concerns. An underwriter will respond with in 24 hrs and give us a preliminary status. If the underwriter requests medical records, we can always request them before we apply for your individual health insurance and submit them with your individual health insurance application.
Whenever you are concerned, call us; as your agent we are here for you to provide the best service and customer satisfaction with your individual health insurance.
