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Pre-existing conditions?
You may wonder why there are guidelines for pre-existing conditions. Health insurance companies impose pre-existing condition exclusion periods to discourage people from waiting until they become ill before purchasing health insurance.
If you have a medical problem that exists when you enroll in or purchase your health insurance, the medical insurance company will deny all claims pertaining to this medical problem for a certain period of time. Blue Cross Blue Shield of Arizona has rules governing pre-existing condition exclusion periods in its individual policies.
Underwriting
All health insurance companies, including Blue Cross Blue Shield of Arizona, use a process called underwriting when someone applies for individual health insurance. Age, sex, and health history is scrutinized before health insurance companies determine whether they will cover the individual and how much it will cost to provide coverage.
Acceptable Weight Ranges
Blue Cross Blue Shield of Arizona, just like all health insurance companies, has guidelines regarding acceptable weight ranges for individuals. If an individual is overweight or obese, Blue Cross Blue Shield of Arizona may offer insurance at a higher premium rate or refuse to insure.
Non Insurable Medical Conditions
There are many medical conditions that may cause an insurance company to automatically deny or not approve an individual application. Blue Cross Blue Shield of Arizona has guidelines for non-insurable conditions.
Since each application is different, Michael Higgins Insurance recommends that you view the general underwriting Blue Cross Blue Shield of AZ guidelines for families, and individuals under 65 years of age who are applying for coverage.
Use the links below.
If you have any questions regarding Arizona health insurance policies, please call Michael Higgins at 602.405.8769. For your convenience he is available anytime, seven days a week.
For additional information, regarding individual health insurance policies click here.
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