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Once you select the health insurance policy most compatible to your budget and needs, its time to fill out an application. This is the first step in actually purchasing a health insurance policy but is, in no way, a legal agreement between you and the health insurance company.
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The application information
The health insurance application is usually pretty thorough. It will include questions about your:
The application process
Usually your application information will need to be verified by the health insurance company. Past medical records, a physical exam and/or blood tests may be used to obtain information about your health status.
With the final health insurance policy in your hands, it is now up to you whether or not you want to enter into a health insurance contract with the insurance company. When making your final decision, you may want to consider other factors that do not have any bearing on your budget or needs, but still play a significant role in quality health care.
Making last minute changes
When you make your decision, and your health insurance application is finalized, read over it one last time. Typically you can change aspects of the policy within a certain amount of time. This is called a "free-look" provision. The review period lasts around ten to thirty days so you should read over the policy as soon as possible to make sure you are completely satisfied.
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This internet site provides information of a general nature for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent insurance professional licensed in your state with respect to your particular situation.