Kentucky Individual Health Insurance - Underwriting

Ever wonder what happens when you submit an application for Kentucky health insurance?  Well, it goes directly to medical underwriting.  This is the group which decides whether or not you are elibigle for coverage and at what rating tier.  If only there was a way to send them cookies…maybe they would offer more coverage to people and at better rates…hmm.



Anyways, medical underwriting is the process of estimating the morbidity risk of an applicatnt for health coverage.  Various sources are used for estimating this risk; however, the most important is the application.

A few things to be aware of…

• Decisions for applicants contemplating surgery will be postponed until surgery is completed


• Applicants with several conditions may be declined due to the combination of conditions


• The ratings on several conditions, including build, will be adjusted for age


• Decisions for expectant parents will be postponed until after delivery


• All ratings will depend on the benefit plan and deductible selected


• If health information is discovered that is not on the application, it will be referenced as Protected Health Information and cannot be released to the agent per HIPAA guidelines,  Correspondance will be handled between the applicant and underwriting


• Prescription drug usage will be rated for dosage and cost. This could result in an offer of no prescription coverage.

If you have any more questions regarding Kentucky Health Insurance don't hesitate to contact us!