Dependents on an application can not be declined for coverage, regardless of health status, if the parent is offered coverage. Although they can not be declined, underwriting can still rider and/or rate up the dependents.
The New Illinois Dependent Underwriting Guidelines are as follows:
1. As of 6/1/09, health insurance carriers will not decline any dependents in the state of Illinois, regardless of health status. This includes new applicants submitted as of 6/1/09, as well as any applicants that are already submitted and are in the underwiring's queue period.
2. Underwriting can and will still rider and/or rate up the dependents appropriatily based on the applicant's risk.
3. Child only applications are not impacted, the health insurance carriers can still decline for health conditions on a child only application.
4. If the primary (and spouse if applicable) are declined, the dependents can then be declined as well. The health insurance carriers are only obligated to offer coverage to the dependents if the parent or parents are both approved and offered coverage.
You compare and apply online for health insurance in your state, please visit www.gizmohealth.com.
Monday, June 15, 2009
President Obama Delivers Speech on Health Care Reform
This afternoon, President Obama delivered a speech on health care reform to the American Medical Association in Chicago. President Obama wants a health care reform that will allow almost 46 million unisured Americans the opportunity to obtain quality, affordable health insurance coverage. This new reform would focus on preventive care and would not exclude or deny individuals based on their pre-existing conditions.
President Obama has suggested maintaining both a private and public health insurnace sector. Americans will have the chance to decide what coverage they want. If they like their current policy or are on their employer's policy, they don't have to change anything. Everything will stay the same (As President Obama stated "keep it." But, if you are self-employed or without current health insurance coverage, you will be able to elect the Health Insurance Exchange option. This public "Exchange" option will offer a series of different benefit packages primarily focusing on consistent preventative care services.
The White House is concerned with the current status of our health care system and illustrated this problem with a series of scary statistical facts. "If we fail to act, one out of every five dollars we earn will be spent on health care within a decade. And in 30 years, it will be about one out of every three -- And if we fail to act, federal spending on Medicaid and Medicare will grow over the coming decades by an amount almost equal to the amount our government currently spends on our nation's defense. It will, in fact, eventually grow larger than what our government spends on anything else today." Quoted by President Obama.
To read this entire article, please visit http://www.whitehouse.gov/blog/Why-Reform-Why-Now/
To research, compare, and apply for individual and group health insurance coverage, please visit www.Gizmohealth.com
President Obama has suggested maintaining both a private and public health insurnace sector. Americans will have the chance to decide what coverage they want. If they like their current policy or are on their employer's policy, they don't have to change anything. Everything will stay the same (As President Obama stated "keep it." But, if you are self-employed or without current health insurance coverage, you will be able to elect the Health Insurance Exchange option. This public "Exchange" option will offer a series of different benefit packages primarily focusing on consistent preventative care services.
The White House is concerned with the current status of our health care system and illustrated this problem with a series of scary statistical facts. "If we fail to act, one out of every five dollars we earn will be spent on health care within a decade. And in 30 years, it will be about one out of every three -- And if we fail to act, federal spending on Medicaid and Medicare will grow over the coming decades by an amount almost equal to the amount our government currently spends on our nation's defense. It will, in fact, eventually grow larger than what our government spends on anything else today." Quoted by President Obama.
To read this entire article, please visit http://www.whitehouse.gov/blog/Why-Reform-Why-Now/
To research, compare, and apply for individual and group health insurance coverage, please visit www.Gizmohealth.com
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