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Lifestyle. In your application for health insurance you will be asked questions about your personal habits. Your answers will have a lot to do with the cost of of your premiums. If you smoke, you will probably pay more for health insurance. If you are known to be under a great deal of stress, you may pay more for Business Health Insurance Texas. Remember, insurance companies try to avoid having to pay benefits; thus, the greater the likelihood that your lifestyle will make you sick, the greater the likelihood that you will need medical care, and thus the more expensive your health insurance will be.
Business Health Insurance Texas
WHAT YOU DON’T KNOW CAN HURT YOU
Regardless of the kind of insurance you select, there are certain important contract provisions to watch out for when looking for Business Health Insurance Texas.
EXCLUSIONS
As you will recall from some of our earlier discussions, exclusions in an insurance policy remove areas from coverage that would otherwise come under the protection of the insurance umbrella. Understanding the exclusions in your policy is vital if you are to truly understand your rights under the policy. Here are some typical exclusions found in health insurance policies.
Preexisting Conditions. Preexisting condition exclusions are the bane of the health insurance consumer for Business Health Insurance Texas. They can be so broad that they make a joke of health insurance “coverage”.
Business Health Insurance Texas
A pre-existing condition for Business Health Insurance Texas is often defined as “the existence of symptoms that would cause an ordinary prudent person to seek diagnosis, care, or treatment within a five-year period, or a condition for which a physician either recommended or rendered care.” That leaves a pretty wide latitude, as an angry health insurance consumer living in Florida discovered when she searched for health insurance. She writes:
“My search for health insurance was due to the fact my employer decided to discontinue the group plan under which I had been covered. The insurance premium had been increased drastically at regular intervals until the premium for three adults and two teenagers had reached nearly $50,000 per year.”
…Continued in Health Insurance in Dallas TX
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