| What to expect when you apply for health insurance. |
Your application should take about 2 weeks to be processed. By submitting online you can
expect a decision in about one week.
Preexisting Conditions:
If you have a preexisting condition, expect for the insurance company to ask for your
medical records. To speed up this process, you can request your records from your
physician in advance. The process of getting records from your physician to the
insurance company is usually the greatest delay in getting your application
approved. Once the insurance company has your records, normally it will take only a
couple of days for underwriting to make an offer for coverage. We will be happy to go over
your particular condition so you will have a good idea of what to expect.
expect a decision in about one week.
Preexisting Conditions:
If you have a preexisting condition, expect for the insurance company to ask for your
medical records. To speed up this process, you can request your records from your
physician in advance. The process of getting records from your physician to the
insurance company is usually the greatest delay in getting your application
approved. Once the insurance company has your records, normally it will take only a
couple of days for underwriting to make an offer for coverage. We will be happy to go over
your particular condition so you will have a good idea of what to expect.
- Insurance companies may "rate up" or "Rider" preexisting conditions.
- For example, if you have high blood pressure expect a rate up of 20-30% over
standard rates. If you are on medication that is expensive, expect a rate up to cover
the cost of the medication.
- You may have a rider placed on your preexisting condition.
- Many insurance companies will place a rider on a medical condition and not cover
that condition. Some for a period of time, some for the life of the policy. Example. If
you have Asthma, the insurance company may not cover any cost associated with
Asthma, but will cover other medical costs.
- You may be rated based on your height and weight.
- We will give you an estimate based on the insurance company's build charts.
| After you have applied |
After you have applied with an insurance company, TennHealth will monitor your
application as it goes through the underwriting process. We will keep you notified
of any holdups and let you know as soon as your approved. Usually this will be a
few days before the insurance company notifies you.
application as it goes through the underwriting process. We will keep you notified
of any holdups and let you know as soon as your approved. Usually this will be a
few days before the insurance company notifies you.
| After you are approved |
| We will notify you as soon as we receive your approval from the insurance company. After approval, we are available to answer any questions you have and to assist with any claims you have. |
CALL US AT 1-888-207-8368
 | |  | |  | |  | |  | |  | |  | |  | |  |
| 888-207-8368 |
