It was not too long ago when getting Health Insurance Quotes meant a separate, special trip to the doctor to get a check-up. This check-up, which the Medical Insurance customer had to pay for out of pocket, was the insurance company’s way of protecting their assets and investment. After all — no matter whether you are dealing with Medical Insurance or any other form of insurance — it is always within the Medical Insurance company’s best interest never to pay a claim. Requiring a check-up meant that they could more easily deny coverage to those who might really need it the most.
Of course, if you are a new Medical Insurance customer, then there is a good chance you will run into this sort of problem as you compare Health Insurance Quotes. Some firms will insist upon having recent medical records — no less than six months old — in order to determine how much of a “risk” you are. Once they have this information, they will set your premiums, deductibles, and other payments accordingly. Of course, this can be very inconvenient for you — and it can also provide a skewed view of how healthy you genuinely are! So, it is always necessary?
When looking at Health Insurance Quotes online, you will actually find many options where it is not necessary to have a recent check-up to qualify. You may, however, have to submit a great deal of information — just as you would if you were looking to insure any other part of your life. However, all of this can be done online based on your self-reporting of your medical history, medications, allergies, and other issues. Many customers will find this to be a preferable option, especially if they have nothing major to report in terms of their medical history or needs.
However, it’s also true that some excellent Health Insurance Quotes will require you to go through a longer process of reporting. It is not always necessary to go directly to a doctor for a general wellness exam, though, especially if you do not have insurance for the time being. If you have had a check-up any time in the last six months or so, you may still be able to submit that information to qualify for a good insurance quote. This might require the information to be sent directly by your doctor, so get in touch with them for details.