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How to Avoid Being Denied Health Coverage

During the past 10 years there has been a dramatic upturn in obesity and overweight adults in America and as you can imagine this has had a serious impact on the cost of U.S. health coverage system.

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While many consumers who are denied health coverage for being overweight or rated with a “fat tax” may feel that they are being jilted by the system of insurance underwriting. Fair or not treatment for health issues associated with overweight and obese individuals have significantly the economy and the overall cost of health care.

The underwriters use a system for determining your height and weight calculations for learn acceptable range. The correlation of the two refers to a number of so-called BMI or body mass index and provides an estimate of bodyfat underwriters. According to the department of human services health of a BMI of 30 is considered obese at 25-29.9 is overweight. If your BMI is higher than 43 you probably do not qualify for traditional health insurance coverage. If your BMI is between 29-43, a health insurer may choose to offer health insurance with a premium rated up. If you have pre-existing health issue related to your weight, such as diabetes, hypertension or heart disease, a health insurer can refuse coverage you completely, even if your BMI is within range . In addition to BMI’s belly fat or waist circumference is a good indicator of future health problems associated with excess weight such as type 2 diabetes and hypertension. Overweight inactive individuals with a propensity to store excess abdominal fat is finally experience insulin resistance, and other health coverage or heart issues. When underwriters review the application and see that an applicant has a combination of pre-existing conditions a red flag is raised immediately about the application. Underwriters have certain risk criteria they use when you took your BMI to other risk factors like smoking and health issues that may previously mentioned exacerbated when combined together. Some combination of these will result in a decline for health coverage.

Excess Weight Affect Your Health and Health care Costs?

While many individuals who are overweight may feel they were railroaded by insurers, the conclusion is that between 2 and 7% of all health care costs were associated with overweight and obesity, which resulted from the health issues associated with the treatment of overweight factors such as hypertension, insulin resistance or diabetes, high cholesterol, cardiac conditions, the specific types of cancer, respiratory issues, inactivity, absence from work, mortality rates, and loss of income from premature death.

What You Can Do to Get Approval For A Health Insurance Policy

If you believe you may be overweight and can not qualify for individual or family health coverage, you can take some precautions before submitting an application to health. you should see a qualified health insurance broker offering more than one product carrier and the knowledge about some underwriting requirements Or is able to research the best plan for you. You can complete a firescreen application which will allow the broker to communicate with underwriters to the issue before the submission of applications and improve your chances of approval and prevent a potential decline. a decline can actually be bad getting creditable coverage. You should also review the BMI table while all the tables are the same as it will give you an idea of how close or far you are from the current healthy levels of body mass index for your height.

Finally consider improving your health for your own benefit by starting some basic exercises such as walking 30 minutes a day, educating yourself about healthy foods, eliminating empty calories as sugar and saturated fat and creating a lifestyle that makes you feel good, makes you productive, to make you look great, reverse some health problems and greatly extend your life and more importantly affords you quality health coverage insurance

Filed in: Health Tips

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