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It depends what the problem was. Not only is the nature of the problem an issue, so is your choice of insurance company. Guidelines around these types of issues are generally not statutory but rather company policy. First, find yourself a local independent agent that specializes in healthcare. Explain the situation and have him/her research the underwriting guidelines from the available carriers for the most favorable rules as it relates to your issues. Second, make sure that your doctor has properly indicated in your medical records that you are symptom and treatment free. If relevant also have the doctor include in your records what the prognosis is for the future. I have had scores of clients tell me that their doctor told them

2006-08-30 14:48:18
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Q: How long after recovery from an illness must you wait to get an individual insurance policy and have been covered by a group policy?
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