Archive for October, 2008
Thursday, October 9th, 2008
Health Exam
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Purchasing an individual health insurance policy on a certain date of coverage may be contingent upon the results of health exam. You are not necessarily covered from that point forward. The policy will have an effective date for when coverage begins. Insurance companies will have different policies for when the coverage begins. Immediate effective date of coverage depending on the insurance company and the employer who deducts the portion of your coverage from the payroll. To know when the effective date is very important so that you can plan your medical needs accordingly. Routine medical appointments might be postponed a bit until the coverage begins or else you will be paying more for these uncovered appointments.