hi, my name's seann mcwhorter. i'm agencyprincipal of insure right insurance agency, located here in lehi, utah. here we're todaytalking about insurance ins and outs, and specifically how to obtain health insurance.well, the process is very simple. you're going to find an insurance agent or a insurancecompany that you can deal directly with, and ask them for an application for health insurance.you will fill out that health insurance application, which will ask you all your pertinent personalinformation, including your medical history. usually they'll go back five to ten yearson all of your--any doctors visits that you've had, any medications that you've taken orare currently taking. and they'll want to know all of that information so that theycan appropriately underwrite the policy. if
you are applying for an individual healthinsurance policy, you need to be aware that these policies are underwritten by the company.it's not an automatic acceptance. you have to qualify for it. so if you've had troublewith health issues in the past, that may become an issue. it doesn't necessarily mean thatyou won't get coverage, but it can affect the rate that you get, or whether you'll getaccepted or not. but in essence, you will out that application, you submit that informationwith all the details about any health conditions that you may have, the underwriters will evaluatethat, and usually within a few weeks they'll give you an offer or decline your application.
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