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 condition is controlled with generic Paxil (paroxetine HCL). The medication is $4 at Wal-Mart.

The plans he was considering had Rx deductibles of $300 to $4,000.

Health insurance company A wants a 40% rate increase.

Health insurance company B wants 50% more.

Health insurance company C is willing to offer a standard rate.

This is one of those stupid carrier tricks we try to avoid with our clients.

At Georgia Insurance Shop we pre-screen almost every application to make sure there are no surprises like this.

Speak Your Mind