While you might see a great health insurance quote on a website, “preferred rate” is what it is called; it does not always mean you will get that rate.
The fact is that when health insurance companies figure out health insurance rates, they have a “preferred” rate for someone in tip-top shape. Unfortunately, not all of us happen to be in that kind of shape. Your rates are figured out depending on what your health conditions happen to be. If you happen to have a health issue or two, then this will likely mean you will be moved to a different category and have a different rate to pay.
Even if you decide to do an online search for health insurance rates, you need to remember that if you have asthma, stomach problems or allergies, this will make a difference. Not telling the health insurance agent that you have these conditions is not even an option. If you go for treatment for them later, this discrepancy will be caught later and your insurance may be canceled.
The reality of today’s world is that virtually everyone from you to your next door neighbor is being treated for something by a doctor. So, if you are getting allergy medicines, stomach pills or inhalers for your asthma, this will affect the rates you are quoted.
It doesn’t mean you won’t get insurance, it just means your quote will be different than the person who is in super shape and has no pre-existing medical conditions. You may, in some instances, be uninsurable depending on the condition you have. However, this is something you need to discuss with your health insurance agent. Usually there is some other alternative “if” that happens to be the case.
If you figure that by talking directly to the health insurance carrier that it will make a difference in your rates, you’d be wrong. The reason for that is that health insurance rates are federally mandated. Ultimately the differences in pricing will be attributable to what criteria the health insurance company uses to assess risk. Just remember that if the rate you see on the website isn’t applicable to you, there will be one that will apply.