This page is where you can send me your underwriting questions for premium estimates and eligibility requriments when applying for individual health insurance in the United States. A common underwriting question might be a 50 year old male living in St Louis, Missouri that takes a couple of hypertension medications and smokes. The question I will answer will be which health insurance company will give him the best rate after accounting for these conditions.
Though it sad that we have to do this at all because no one should have to qualify for health insurance because I believe access to quality health care is the right of every American poor or rich, sick or healthy. But because I don’t make the laws we are forced to deal with complex medical situations constantly.
Having been studying the underwriting guidelines of the health insurance companies for so long I am quite good at giving actual rates for various conditions. It must be pointed out however that many people will not be accepted by any health insurance company due to medical condition and though this situation might appear untenable, I believe there is a solution for everyone. I pride myself on getting actual reliable health coverage for everyone as it is possible for everyone to get health insurance, it might be expensive, it might be demeaning (applying for Medicaid or the County Health Plan), or even insulting (having a paramedical exam) if you are willing try so am I. But I will do it for free and sign you up with the best free program I can find if it is the best solution for you.
Are you desperate for health insurance? Well you can relax now I will help you. I am …. the
Health Insurance Advisor
Caroline Ehrenthal – East Coast Health Insurance
You can call me at my office @ 954 571 4177
When filling out the form below, make sure to include your medications if it is a factor, your age is required, your height and weight if you believe there might be a question as to your BMI (body mass index), your zip code (health insurance takes location into account) and if you smoke please say so, and finally if you have had health insurance in the last 63 days.
Additionally, if you think you might qualify for free health insurance based on income, include your current employment status and if you are earning less than $30,000 I would need to know to determine which Government Health Program you might be eligible for. I only need this financial information if you are trying to qualify for subsidized health insurance. You can use a fake name if it makes you feel better, or just call yourself anonymous, you can even use your real name if you like, as your information is confidential as I share it with no one. And besides you know my name! If I use your question for a column I will send you a free gift!
Lastly, if you are totally healthy and earn enough money to get individual health insurance then you should be using our Individual Health Insurance Quote Engine to run a free, instant side by side Health Insurance Quote with all the reputable, major health insurance companies. We currently represent nationwide, Aetna, Blue Cross Blue Shield, Cigna, Coventry One, Humana, and United Health One. East Coast Health Insurance is also contracted with many local state health insurance companies as well so if you are looking for a company not in this list visit our home page.
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