Posts Tagged ‘underwriting’
Application Denied by Blue Cross
When you have an application for health insurance denied by Blue Cross of Georgia (or any other health insurance company), what do you do? It depends. Yesterday someone looking for health insurance in Georgia found my site, ran a quote with BCBSGA and applied online in less than 15 minutes. This morning I was notified their application was [...]
How to Apply for Health Insurance in Georgia
Believe it or not, there is an art (and a bit of science as well) to applying for health insurance in Georgia if you want to get the best offer. Some Georgia health insurance companies are routinely rejecting half of applications submitted. Overall, roughly 80% of applications that are not rejected will result in a modified counter-offer from the [...]
About Those BCBSGA Rate Increases . . .
If it seems like Blue Cross is the favorite punching bag of Washington and the media, it is not just your imagination. Anthem/Wellpoint, parent of several Blue Cross plans (including Blue Cross of Georgia), is catching most of the heat. Frankly, most of the criticism is a cheap, political ploy that is more theatrics than substance. But now it [...]
Pitfalls of Buying Short Term Medical Insurance in Georgia
Many times people will buy a Georgia Short Term Medical (STM) plan as a stop-gap or bridge between coverage. Most of the time things work out. You have purchased a plan, "just in case something happens", and you never have to use the plan. But sometimes you actually need your short term health insurance plan to do more than originally [...]
Underwriting Depression and Georgia Health Insurance Policies
If you are applying for a Georgia health insurance plan and have depression, or anxiety, you need to know there is a BIG difference in the way health insurance companies will rate their offer. Here is the situation. Male, age 24, good health except . . . he has anxiety. (Anxiety and depression are underwritten in the same manner) The [...]
Cutting Corners on Health Insurance Applications
If you think you are going to get away misrepresenting your medical history on a health insurance application you are dead wrong. This advice goes for the applicant as well as the agent assisting. I participate in several online forums, offering advice on health insurance matters for a nickel. Actually, I don't charge anything but my avatar is [...]
Lying Eye's
You can't hide your lyin' eyes And your smile is a thin disguise I thought by now you'd realize There ain't no way to hide your lyin eyes The Eagles knew it. Seems a California judge feels the same way. In a key victory for Blue Shield of California, a judge ruled the health insurer acted properly when it rescinded a couple's policy because they [...]
Miami (Not) Nice
Finding health insurance in Georgia is usually not that difficult, if you know the rules. Most people, including the bulk of agents, do not. I have a reputation for taking on challenging cases and almost always finding a good offer. That's because I know the rules of engagement. John Dorschner of the Miami Herald isn't playing nice. His ignorance [...]
Post Issue Underwriting
So what the heck is post issue underwriting? Glad you asked. That's when you apply for coverage, the policy is issued. Then at some point in the future, usually following a claim, you get a letter from the health insurance carrier. They want to know all doctors you have seen in the last 5 years and all medications you have taken. The envelope [...]
Sick in America – Part 2
Whose body is it? Will your carrier pay? If you EVER have a question or issue with your plan, call me. I have been in this business for over 30 years and know the rules of engagement. If anyone can get a legitimate claim paid, it is me. Compare plans, including high deductible, HSA's by visiting our website and running your own rates. We are [...]
