Providing medical insurance coverage under an individual medical insurance plan may not always be achievable and may greatly depend on the state, which you reside. This is because the insurance regulations of most states permit the insurance companies to be discerning about whom they will approve for acceptance on individual and family insurance plans. There is a reasonable explanation for this regulation. If families could get an individual plan anytime they wanted, most people would only get coverage when they needed it. This would result in family medical insurance providers only insuring family members that needed medical attention and as a result, this would significantly increase insurance premiums that would be mandatory for all to pay.
Many families are frequently surprised about the severity of strictness of some family medical insurance providers with how they choose who the will approve for health insurance coverage. What may seem like a minimal medical condition to some may result in coverage being declined. This is basically due to the alleviated cost of prescription drugs and health care. Another reason is that some medical conditions ca be directly connected to risks that are associated with getting other, more severe medical conditions. An example would be in the case of obesity. Although an individual may be overweight and have no medical conditions, some family medical insurance providers may be concerned about the risks that are associated with obesity such as heart conditions and diabetes. Most insurance companies also have weight and height guidelines, which are based on their body mass index. An Insurance company can decline an applicant if an individual’s BMI is over the level that is decided by the insurance provider.
When looking to obtain private family medical insurance, some provider may decline some family members and accept others. They look at the risk factor and health history of each individual family, even when they are apply for the same health plan and are included on the same application. If this happens, you must consider if you will accept coverage for those family members that are approved, or opt for a plan that will cover each family member. If your family is currently without insurance, it is advised to obtain coverage for those who have been approved.