Washington Health Insurance

Health insurance is the easiest way to protect yourself and your family in the event of any accident or illness where medical bills can easily pile up to hundreds of thousands of dollars. If you are in the market to buy a new health insurance policy, make certain you are getting the best coverage for your money by getting quotes from several different companies before settling on one and making your final purchase. It is important to look at your budget and the size of your family when considering which plan to purchase.

For any new member that does not have credible prior coverage, there is a 9 month exclusionary period that can be added as stated in Washington state law. These laws are set into place by the State Office of the Insurance Commissioner. They are also the government agency that has allowed medical underwriting for all private insurance policies. This means that the insurance company is allowed to deny coverage to anyone based on their past or current health status.

The companies have a 6 month window of your medical history that they can look back at in order to determine whether or not previous conditions exist. Medical insurance companies ask that you fill out an application when you are thinking about buying a policy from their company. They use the information you disclose on this application to decide whether or not they will cover you fully, partially, or not at all.

If the company opts to cover you partially, then you will be asked to sign a rider which is permitted under Washington state law. This rider exempts the company from paying medical bills that are a result of a condition that you had previous to purchasing their policy. All other treatments will still be covered except for the ones stated on the rider.