Is there an inexpensive health insurance company that offers coverage immediately once I purchase their plan?

Question

I am wanting to purchase insurance this week before i visit a doctor soon, because I might need a cat scan. Is it possible to get coverage this quickly?

Answer 1

hi.. i am ruchi shah working as an insurance advisor in reliance life insurance company. I have compared all companies health insurance but reliance gives u a cover at one snap shot. and also bye paying a single premium u can b covered.

Answer 2

With all individual health insurance companies you will have to answer health questions and possibly go through underwriting. During the underwriting process the insurance company may require medical records from your doctor. If you don't have any medical conditions you can possibly get a plan in a day or two. If the company needs medical records it can take several weeks. However, if you have a medical condition that will require a CAT scan the insurance companies will consider that condition a pre-existing condition and will not cover it. Depending upon the condition you could even get declined.

Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn’t find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/wes... for more information. Many other states are working to ban these cards as well.

Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.

Answer 3

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