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Home   >  Health Insurance Articles   >  Is A Medical Exam Necessary For Health Insurance?

Is A Medical Exam Necessary For Health Insurance?

Getting approved for individual health insurance works much different than getting a plan under group insurance.  When you work for someone else, you can not be denied health insurance because of a pre-existing condition.  When you apply for individual health insurance, everything including the approval process changes. 

When you apply for individual health insurance, there are usually three outcomes.  The first is you are approved right away and nothing else is needed.  The second, more information is needed and they require a phone interview or physical exam.  And the third, of course, is being denied right off the bat. 

Most carriers will require a phone interview so the underwriter can gather more information from the applicant.  During this process, the carrier rep may ask you more questions about your health history so they can see what there risk is as an insurer.  It is important to be completely honest here because you do not want claims being unpaid in the future because they find out something down the line. 


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