# Thursday, January 5, 2006
                 

Often times health plans require a medical questionnaire to be filled by the applicant, and when the application is submitted to the insurance carrier it goes through what is called "underwriting". The medical history of the applicant (and any other insured family members) is examined, and the policy is either issued or declined. If declined a counter offer may be issued by the carrier, which can then be accepted or declined by the applicant.

The medical questionnaire requirement also depends on the type of insurance being applied for. Employee benefits traditionally do not require a medical, while individual health plans do.

However, there are several guaranteed issue personal health plans that do not require medical questionnaires:

You can compare instant quotes online for the health and dental plans mentioned above, or call us toll-free at 1-800-474-4474 if you would like more information.
 

* Please note that all plan names are the (registered) trademarks of their respective insurance companies.
 



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