Las Vegas Health Insurance Expert:

Las Vegas Health Insurance Underwritters Guidelines:

When you apply for individual Las Vegas Health Insurance, the health insurance companies use a process called underwriting to look at your age, sex, and health history to decide whether it will cover you and how much it will cost to provide you coverage.

Do all health insurance companies have the same underwriting guidelines for offering insurance?

 

No.  Each Las Vegas Health Insurance company has its own underwriting guidelines, which are usually not made public.  These are some of the things that health insurance providers look at when your application goes through the underwriting proccess.

  • Health conditions that would automatically not be approved;
  • Health conditions that may not be approved;
  • Height and weight standards;
  • Health history, health care service utilization, and lifestyle or behavior that may cause the insurance company to deny insurance, limit the products they offer, or charge more for the coverage.

 


What Health Conditions Will Cause A Health Insurance Company To Automatically Refuse Or Deny My Application For Insurance?

There are many medical conditions that may cause a nevada insurance company to automatically deny or not approve your application.  These may include the following:

  • Health problems for which you have not seen a doctor;
  • Health problems that a doctor cannot explain;
  • Health problems for which you have not completed treatment.

An insurance company may also automatically deny your application for the health conditions below.  There may be other health conditions that are not on this list. (alphabetical order)

 

AIDS;

  • Cancer, past issues or under treatment;
  • Cirrhosis;
  • Current infertility treatment;
  • Diabetes with complications;
  • Depression;
  • Deviated Setum;
  • Heart disease;
  • Hemochromatosis.
  • Hepatitis;
  • High Blood Pressure;
  • History of transplant;
  • Lymphedema;
  • Multiple Sclerosis;
  • Muscular Dystrophy;
  • Pregnancy, pregnancy of your spouse or significant other, planned surrogacy or adoption in process;
  • Renal failure or Kidney Dialysis;
  • Severe mental disorders, such as bipolar disorder, schizophrenia or psychopathic personalities;
  • Sleep Apnea;
  • Systemic Lupus Erythematous;

 

 

What Will Cause A Nevada Health Insurance Company To Offer Me Insurance At A Higher Premium Rate Or Limit The Products Or Benefits I Can Get?

 

Nevada & Las Vegas Health Insurance companies may offer you insurance at a higher premium and/or limit the products or benefits you can purchase if you had a health problem in the past but you have recovered or you have been without symptoms for some time.  Insurance companies will also do this for minor health problems that you had in the past or may currently have.  Insurance companies argue that these conditions pose a risk that it will cost more for your health claims than if you were completely healthy.  Each application and insurance company is different.  An insurance company may charge a higher premium or limit the products offered for the health conditions below.  There may be other health conditions and time frames that are not on this list.

 

  • Stroke, after 10 years with no reoccurring problems;
  • Allergies, while testing is in process;
  • Ear infections, controlled with medications;
  • Lyme’s disease, without symptoms after one year;
  • Breast Implants (non-silicone);
  • Ringworm;
  • Joint sprain or strain, recovered and no restrictions;
  • Migraine headache, mild and infrequent with no emergency room visits;
  • Mild depression.

 

 

Will A Nevada Health Insurance Company Look At My Height And Weight When I Apply For Insurance?

 

Yes.  Las Vegas Health Insurance companies usually look at your height and weight when they decide to offer insurance.  They may offer you insurance at a higher premium rate or refuse to insure you if you are overweight or obese.  Some insurance companies use a measurement called the Body Mass Index (BMI) to decide.  If your BMI is above 39, most insurance companies will not offer you insurance.  If your BMI is 30-39, an insurance company may offer you insurance at a higher premium.  If you have health problems because of your weight, such as diabetes or heart disease, an insurance company may refuse to insure you, even if your BMI is under 30.
 
Can a Nevada Health Insurance company look at my smoking and drinking history when I apply for insurance?


Answer: Yes, Insurance companies usually do look at smoking and drinking history when they decide whether to offer insurance. 

 

 

If You Have Any Questions Or Comments Please Email Or Call Us At: 1-888-268-4421

Email: info@las-vegas-health-insurance-expert.com

 

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