Health Insurance Center

Health Insurance Q & As

Question 3 of 7 in Individual Health Care Policies
What if I have a medical problem or have had one in the past, How does that affect me for individual coverage?
You may:

1. Undergo a medical exam

2. Be turned down

3. Be offered coverage but your specific medical problem may be excluded with the addition of a rider

4. Offered a policy that delays coverage of your medical problem for a period of time

5. Issued a policy with full protection but charged a higher premium.