The answer is YES. While Woodhaven health insurance companies have many ways on how to determine health insurance premiums, all of these insurers rely on a particular system called the Health Status Rating. This charges higher premiums to people who are found to have medical conditions or have a history of it. Most of the times, a health status rating is used for those who are purchasing a health plan for the first time.
Sounds like good news to everyone who thinks they’re fit. However, the health status rating is more than taking your age, gender, occupation, height and weight. It also specifies conditions that can increase the possibility that new clients may need intense health care. This offers transparency between the insurance applicant and the company.
Frost & Remer (http://www.InsuranceByFrost.com) discloses that companies screen through each individual’s health rating through a meticulous study. The height, weight and body fat levels reveal the body mass of the person, noting if one is overweight and underweight. Body fat levels can also affect the immune system, which is a vital part of one’s health.
It is known that many insurance companies used to decline cover for those who apply with certain underlying conditions. The reason for this is, the unhealthier a person is, the more money will be needed to be spent on his well-being and medical bills. However, this will all change in the new ObamaCare mandate. In 2014, a new health care directive will make sure that every insurer must provide insurance to applicants despite their medical conditions.
For this reason, it is no surprise that those with a medical history are given higher premiums than the healthier ones. The fitter one is, the cheaper their Woodhaven health insurance can be permitted. So if you’re planning to purchase a Woodhaven health insurance policy, make sure you’re fit and healthy, and you’re sure to have a lower rate. Frost & Remer discloses how to acquire a plan through this blog post: https://insurancebyfrost.com/5-basic-steps-in-buying-woodhaven-health-insurance/.