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No Medical Exam Insurance - How to Search for No-Exam Insurance

health coverage person company

In checking the charts, there seems to be more ‘no-medical-exam insurance’ found in life insurance policies throughout the U.S. and some other countries. Almost all of the life insurance companies do not require a medical exam for coverage. All you have to do is fill out a form, answering a few health questions.

Health insurance is totally different. When a person sees, hears or reads something that offers low premium insurance with no medical exam, they jump to the conclusion that someone is tryimg to rip off the public. We wonder how or why would any legitimate insurance company be willing to insure people without demanding a medical exam.

The insurance coverage on a person is only what is paid for. The smaller the cost, the less coverage one gets. After the insurance provider pays what is required according to the amount the client pays, that is all the insurance pays. This does not seem to be a legitimate insurance company unless the provider makes it clear as to the coverage clients may receive for cheap no-medical-exam insurance

Be sure to choose and deal with only reputable, legitimate and established insurance companies. One should know whether or not these companies are financially stable enough to pay as they should in the future. A variety of options will also be offered as with any insurance coverage. Find out what each option means, as it’s not advisable to relinquish your health by obtaining cheaper-no-exam health insurance.

Do not hesitate to ask people you trust about low-expense insurance with no medical exam.

Some companies and/or organizations, such as AARP and MedHealthInsurance, have specific insurance providers they will refer one to. That way, a prospectic client can shop with a variety of insurers and make a decision that best meets their needs.

Some of the insurers Med Health Insurance will refer a person to are, UniCare, Assurant Health and SummaCare. Med Health Insurance does not provide insurance coverage, but they do have some health insurers where they will refer a client.

No-exam Health Insurance Company does exactly what it says in its title. It does not require a medical exam for any one to get health insurance. The Health Insurance Portability and Accountability Act (HIPAA) of 1996, explains that if one has had health insurance without a break in coverage for more than 63 days, the time during which that person was previously insured will count against the period during which that person will be excluded from the new coverage.

Some of the insurance providers No-exam Health Insurance refers you to are, Humana, American Republic, Health Markets, United Health Care, Blue Cross-Blue Shield, Aetna and Assurant.

The insurance providers that do not require exams often do require a person to complete an application listing all medical conditions. It is extremely important to be honest on your application because if an untruth is discovered – no matter how small, the insurance company can cancel your coverage.

It is probably best to work with a well-known business or organization such as No-Exam Health Insurance Company, AARP, or a few others when searching for a lower-cost, no-exam reputable insurance carrier. Some of these organizations or businesses will guide you to go online and request insurance quotes. In most cases, you must fill out a short form to submit with your requested quote.

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