We will help you avoid wasting time by applying to an insurance company that doesn’t fit your needs or may decline you based on their underwriting guidelines.  Some companies may also rider conditions.  We will discuss this with you before you apply so you are not surprised when you get your approved policy back and the insurance company chooses to not cover some pre-existing conditions.

So don’t be fooled by Internet ads misleading you by making you feel you are getting a better deal by enrolling with them.  Many agencies quote the lowest base price with a disclaimer that the price is subject to medical underwriting.  Some agents even ignore height and weight charts and tobacco use so their quote is the lowest.  The underwriters determine your health insurance premium in Ohio after you submit an application.  The agent does not determine the rate!  Often times after underwriting review the premium will be higher and/or not cover specific conditions listed on the application.  Do not fall into this trap!