What If I Have A Medical Problem Or Have Had One In The Past, How Does That Affect Me For Individual Coverage?
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UPDATED: Sep 15, 2020
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1. Undergo a medical exam
2. Be turned down
3. Be offered coverage but your specific medical problem may be excluded with the addition of a rider
4. Offered a policy that delays coverage of your medical problem for a period of time
5. Issued a policy with full protection but charged a higher premium.