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Process to Apply for a Catastrophic Health Insurance Plan

If you’re planning to apply for a catastrophic health insurance plan, you should know how to fill out the form correctly so that you have a higher chance to get approval from the insurance company. Just follow this guide so that you will know what to do.

Do you want to apply for a catastrophic health insurance plan? Before you go any further, are you sure that you’re not suffering from any health condition that can be classified as catastrophic? If not, you can already secure the application form and apply for this insurance plan but if you are, you will surely not qualify for this type of insurance.

Filing for the Health Insurance

Finding the right plan is vital and you also need to secure an application form for it. Since there are many insurance companies offering this type of plan, you will need to pick one that can offer you the best deal. Trust only the reputable companies in your area. You also need to have a thorough understanding of the deductibles and how they work. Some insurance plans have per person deductibles while others are per family.

Once you’ve secured the application, you will now fill out the application form. You can also secure online applications if you like but this will depend on your choice. If you applied from a local insurance company, you will need to use a blue or black pen. Fill in all the pertinent general information like the name, address, telephone number, social security number, and the birth date. You also need to provide the details of your family members including the medical history, weight, and height. The health history is a very important section of the application. Oftentimes, you will need to answer questions by yes or no. Whenever you answered yes, you will need to provide more details about the subject in question. Being honest is very important as well. The company also wants to know if it is going to pay for claims in the coming months or years.

Asking for Letter and Prescription Records

It would also help if you can request your doctor to make a letter which states that you’re in good health and that you don’t need any more treatment. You can also ask the pharmacy to provide the prescription record so that you can get a better rating from the insurance company. As long as you’re thorough and honest in answering the questions, your application will be approved.

After filling out the application, you can now submit it to the company. It would also be a good idea to ask the company how long it takes to find out if the application is approved or not. Remain positive and do some follow ups. Talk to the agent about the status of your application but you must do this courteously.

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