Many people find themselves in the stressful situation of finding their own health insurance. Health insurance prices continue to rise and it can be difficult to obtain basic health care. The process in which health insurance companies use to determine eligibility for insurance is known as underwriting. Underwriting also determines how much you will pay for insurance.

You may be less anxious about this process if you have an understanding of what questions will be asked regarding your health, occupation, and financial situation. If you know what types of information insurance companies are looking for, you can speed up the process of obtaining coverage. Not all insurance companies have the same underwriting guidelines.

Before you begin to meet with a health insurance agent or broker, you will want to have a list of your current prescriptions an any prescriptions that you may have taken in the past 2 years. When you are searching different companies for health insurance, you should know each company’s list of health conditions that would make you ineligible for coverage. You should be able to find this list on the insurance company’s web site. Some health conditions may be “rated up,” which means that you will be eligible for coverage; however, you will have to pay a higher premium.

In order to find out if you will be eligible for health insurance, you will need to know your current blood pressure, height, weight, and cholesterol numbers. If these numbers are too high, you may either be ineligible or you may have to pay a higher annual premium. Each insurance company will have their own set of underwriting guidelines regarding this medical information. You may be required to complete a paramedical examination in order for the insurance company to obtain this particular medical information.

Insurance companies may also request medical information from any medical professionals that you may have received treatment from. It is important that you write down a list of treating medical professionals and what treatment that you may have received. The more specific information that you provide to the insurance company, the faster the underwriting process may occur.

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