Health Insurance for Overweight People

Can you really get health insurance when you’re overweight? That’s the 64 thousand dollar question, to quip the old school trivia game show. You see, a lot of people think that you can’t get it, and other people think that you can. The truth is that health insurance is a service, so that means that quite frankly, if you’re willing to pay enough, you’re going to be able to get it. There’s always going to be some insurance company that will give it to you, but before you just jump in, it’s important to know why they’re willing to offer it to you.

First and foremost, you need to realize that the insurance game is all about risk. This means that if you really can help yourself out, you will want to lose weight. Obesity is linked to a wide variety of different illnesses, so that means that you’re going to need to lower your risk. The more weight that you have on, the higher your risks go. It’s a list of really scary diseases like diabetes, cancer, and heart disease — not to mention increased back and joint pain. That’s not a life that anyone should live.

If you can’t lose weight before you apply for insurance, what you’re going to have to realize is that there’s going to be a waiting period before you can claim any benefits. This is to protect the insurance company from you going out and immediately getting some big time claim that’s going to cost the company. They want to make sure that they limit their risk as much as possible.

Look for plans that not only cover you when you’re overweight, but plans that have room for preventative care in them. Routine visits to the doctor to make sure that everything is working smoothly are very important, and every insurance plan that you’re interested in should cover this. The last thing that you want is to find that you developed a serious medical condition that could have been contained or even eliminated had it been caught sooner.

So, where do you go for the best insurance possible? Well, instead of running around town or just dealing with the insurance company that seems to be conveniently located next to your doctors’ office, you might want to go online to look. Look for insurance that is covered in your area, but going with a national career is better than something local. This way, if you ever move out of the area you’re not going to have to worry about whether or not your doctor’s visits are truly covered.

One of the best reasons to go online is that you can get multiple quotes from multiple companies. Filling out one form with your computer is a lot smarter than trying to fill out dozens of applications and quotes in person. You’ll also get a better quote online because they know that they can attract a lot more people through that network.

Now is the perfect time to spring into action and get exactly what you’re looking for — why not get started today? You’ll definitely be glad that you did!