Health insurance in Illinois – Honesty is The Best Policy

Health Insurance in Illinois is easy to find and easy to get a quote. There is any number of agents who would love to have your business. Myself included as a matter of fact. I have come across a lot of people that are looking to get a competitive quote and they are just not quite sure what to put on the application. You’re probably thinking, what does the health insurance carrier need to know? Less face it, it is an absolute pain in the backside to remember everything, right? When did that happen, what was the diagnosis? One thing you could do is ask your physician for a copy of your medical records that you can keep at home under lock and key that you can reference when filling out an application. The easiest way to do this is to fill out an application with the health insurance carrier you decide to go forward with and use your doctor records to fill it out correctly.

You might even find out have a condition that you didn’t know about. How can you be expected to fill out a new application for health insurance in Illinois without this knowledge? You can’t, it’s impossible, not correctly at least. When filling out a health insurance application you need to be absolutely 100% honest. I can promise you one thing, they will find out about it anyway, so don’t let anyone tell you otherwise. They can pull your medical records from your doctors and if there is a serious discrepancy to your application they can rescind you policy. Sometimes the discrepancy doesn’t have to be too serious either, if you know what I mean. Believe me you don’t want this to happen. They can also pull up a prescription drug MIB database that everyone is on in America and find out what prescription drugs you have taken in the past. That is going to give them a good idea of the conditions you had or still currently have. There is no reason to hide this, be honest and disclose it on the application; honesty is always the best policy. If you don’t have a copy of your medical records at home, and most people don’t, and you’re not exactly sure when your condition started or stopped simply say so on the application.  If the carrier needs specific dates believe me they will go ahead and pull your medical records to be sure.

It is the customer’s responsibility to go over the application and make sure that everything is correct when your application is delivered. So don’t put it on the shelf to collect dust. Please open it and make sure everything is correct. You might have developed a condition between the time you filled out the application and when it was delivered to you. Be sure to let the insurance carrier and the agent know about the change in health status. It could possibly change things and it’s better to know up front and deal with it than to have your policy canceled at a later time possibly.

Once you’ve filled out an application that is 100% correct. Keep a copy of it at home for your records. If you ever want to shop the market place for a competitive quote, you can use your old application as a starting point. This way you only need to transfer in the information over to the new application, fill in the missing health history and submit the application to the carrier. The most important thing you can do is to find a good agent you can trust and that will help you through this process so it is done right. This could save your backside in the future.

 Randy Gillespie is the owner of Focus Insurance Group, specializing in Health Insurance In Illinois.  To learn more visit his site at www.FocusInsGroup.com

Tags: Health Insurance in Illinois

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