Are you in the process of changing plans or changing health insurance company's? Are you going from Group or COBRA to an individual health insurance plan?
It's really important to make sure that you have enough time for underwriting when applying for an individual California health insurance plan. Some people wait until the last minute to apply for their individual or family health insurance plans. There's no guarantee that you are even going to be approved. It is smart sense to make sure that you apply and leave plenty of time for the underwriters to review your application. Depending on many factors, some health insurance applications may get approved very quickly, while others make take up to a few weeks or a month. If you are in a rush, online health insurance applications do help speed up the process a bit compared to the traditional paper applications.
Do not cancel any current health insurance coverage or decline any COBRA benefits until you receive an approval letter and a health insurance policy from the health insurance company you selected. Be sure that you read, understand and agree with the terms of the policy. Please pay close attention to the effective date, premium amount, waiting periods, benefits, limitations, exclusions, and any policy riders.
There are many affordable health insurance plans on the market today. Talk with your local California and San Diego Health Insurance today!
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