I recently moved to Dallas, TX. I'm currently unemployed and my wife is working at a school district where having coverage for a spouse would cost close to $300/month. Our generous PPO coverage from NYC schools will end at the end of the month so I was thinking about purchasing individual coverage - something I've never done before.
How does the process work?
How long does it take?
Do you have to come in for a checkup or do they simply look at your medical records?
Do you have to provide a list of all doctors that you've seen your whole life?
Or do they have some automated system between all insurance companies that aggregates everything?
About me- 32y Male 5'8" 155lbs - no medications - healthy
1.Have seen a therapist for a few years for mild depression(stopped going recently and don't plan on ever going back)
2. Carelessly told my PCP 3-4 years ago that I may smoke once every 2 months at bars. The guy actually reported this information on his computer!!!
3. 8 years ago another PCP saw a slight abnormality on my EKG. Specialist did an echocardiogram and told me that my heart was perfectly fine.
Would any of these items cause my premium to go up?
I was thinking of getting short term coverage for 6-12 months and paying up front as the premiums seem to be much cheaper. If some long term catastrophic event were to occur could the insurance company drop me after the contract was over?
Would I get a refund if I found a job with health coverage?
Any help would be greatly appreciated. Thanks.
How does the process work?
How long does it take?
Do you have to come in for a checkup or do they simply look at your medical records?
Do you have to provide a list of all doctors that you've seen your whole life?
Or do they have some automated system between all insurance companies that aggregates everything?
About me- 32y Male 5'8" 155lbs - no medications - healthy
1.Have seen a therapist for a few years for mild depression(stopped going recently and don't plan on ever going back)
2. Carelessly told my PCP 3-4 years ago that I may smoke once every 2 months at bars. The guy actually reported this information on his computer!!!
3. 8 years ago another PCP saw a slight abnormality on my EKG. Specialist did an echocardiogram and told me that my heart was perfectly fine.
Would any of these items cause my premium to go up?
I was thinking of getting short term coverage for 6-12 months and paying up front as the premiums seem to be much cheaper. If some long term catastrophic event were to occur could the insurance company drop me after the contract was over?
Would I get a refund if I found a job with health coverage?
Any help would be greatly appreciated. Thanks.