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Applying for an Individual Arkansas Health Insurance Policy

What You Need to Know When Applying for an Individual Health Insurance Policy

Filling out an individual health insurance application can be confusing and difficult. Insurance companies scrutinize these applications, closely reviewing the information you provide. That's why it's critically important that you educate yourself about individual health insurance and your rights as a consumer.

Overview of a Health Insurance Application

In most states when applying for individual health coverage, the insurance company will request:

• Common information such as name, address, Social Security number, marital status, dependents and whether any of the applicants have other health insurance coverage in force or are covered under Medicaid/Medicare programs.
• The date you would like coverage to be effective.
• Health information about yourself and other family members desiring coverage. Extensive medical and health information will be expected for the applicant and any other family member listed on the application. The information requested can vary, so pay close attention to the number of years of medical history required and the exact health information requested.
• Whether anyone listed on the application has previously been declined health, disability or life insurance, or had their health, disability or life insurance cancelled or rescinded.
• If you answer "yes" to any of the background health questions on the application, provide the name of the family member, their physician's information and the exact details regarding the dates and nature of their condition.