What Is the usual Process For Applying Health Insurance?
Posted by Dolores
WhopperCat asked:
How long does it usually take for someone with a clean bill of health? Also, do they do a physical exam?
How long does it usually take for someone with a clean bill of health? Also, do they do a physical exam?
I’m sending my application in this week to Aetna. How long should I expect to be approved?
Is it most likely that I’ll be approved? Like I said, no health problems, in my twenties.
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July 31st, 2009 at 8:52 pm
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Aetna has a stricter underwriting (approval) process than most insurers. Expect them to ask some tough questions. They also conduct a very thorough background check, so don’t be surprised if they know more about your health than you think they will!
Most insurance companies do not expect a physical exam. However, if you’ve ever taken medicines for any conditions, i.e. high cholesterol, they may ask for the latest test result numbers.
Approval can take a few days, but usually no more than a few weeks.
It is more difficult to get approved with Aetna than many other companies. I have experienced this first hand. But if you truly have a clean bill of health - you have no pre-existing conditions and are not on any medications - you will likely get approved.
It can be tough to people who are older to get on Aetna insurance, but they are a very good, reputable company, and if approved, you should be pleased with them.
Best wishes!
July 31st, 2009 at 10:10 pm
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You shouldn’t have any problems being approved by Aetna, based on what you’ve said above. Normal underwriting for most companies on a clean case like you seem to be (that is, all health questions answered no, good height/weight, etc.) will usually be less than a week, and sometimes in only a day or two.
If you run into any difficulties or have questions, feel free to contact me directly (www.genesis-grp.com - see below).
Good luck, and have a swell day!
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