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More Information on How to Apply for Individual Arkansas Health Insurance

Obtaining Medical Records

To ensure you do not inadvertently fail to disclose material information, you should retrieve all of your medical records. Some physicians might ask you to send your request in writing or charge a fee for reproducing your medical records. As a general rule, it is a good idea to request a copy of your files each time you switch doctors.

What is a Pre-existing Condition?

A pre-existing condition is a physical or mental condition for which medical advice, a diagnosis, or care or treatment is recommended or received within a certain period of time before the enrollment date of the policy. Even if an insurance company approves your coverage, it might restrict coverage of pre-existing conditions completely or for a specified period of time.

However, once you are accepted for coverage, the company may only cancel your policy for nonpayment of premium or for a deliberate falsification of a material fact, such as a omitting a pre-existing condition from an application. Sometimes pre-existing conditions will cause a claim to be denied or raise your premium.

The rules that govern pre-existing condition exclusion periods in individual policies vary between states. For more information regarding Arkansas's pre-existing condition laws, please contact our Consumer Services Division at (800) 852-5494 or (501) 371-2640 or insurance.Consumers@arkansas.gov.

Complete Disclosure is Required Before Signing the Application!

The last part of the application is an agreement that typically states any dishonesty or failure to disclose requested or material information could result in an approved insurance contract being terminated. Giving accurate and honest answers will save you possible problems. Sign the health insurance application only after you have reviewed it carefully to be sure the answers are complete and accurate.