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Q.
How long does it take to get approved?
A.
Every company is a little different,
average approval times range from 3-14 business days.
Your health history and other factors may cause a delay -
please be patient we do automatically rush every case as a
courtesy at no additional charge
Q.
Are pre-existing conditions covered?
A. Maybe.
Every application goes through underwriting and during
underwriting they can approve, approve with exclusions (most
states), approve with rate up, or even decline your
application. Your prior insurance status is usually
irrelevant to underwriting guidelines. All individual
insurance is subject to underwriting.
Once underwriting is complete all new
policies have a wait on pre-existing conditions, which is
typically 12 months on most plans - meaning even if you are
approved with no additional restrictions you might still
have to wait 12 months to get benefits (including RX) for a
pre-existing issue. This 12 month period might be
waived if you had prior CREDIBLE coverage with NO MORE than
a 63 day lapse. This does not mean you can not be
declined or excluded as you go through underwriting first.
This is why you need
our assistance. Every company has complex guidelines
and requirements - the average consumer could never figure
out. We charge NO fees for our services and are ONLY
paid if you are approved and are satisfied.
DISCLAIMER:
All applications are
subject to underwriting, coverage is not guaranteed - not
all applicants will qualify or qualify for the best plan or
qualify without additional restrictions. Please read
your policy terms and conditions when it arrives by postal
mail. Authorized Agent.
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