When I apply for insurance, what will they ask?
A. Personal information to determine your eligibility. Companies screen applicants for individual health insurance, so you’ll fill out an application and answer questions on your medical history. If your information is incomplete or inaccurate regarding health history or age, the company may deny benefits or rescind your coverage. Companies frequently ask physicians for medical records and may require you to take additional physical exams or blood tests. However, they cannot ask you for an HIV test, except for disability income and life insurance. People with anything serious in their medical background may be charged a higher price for coverage or may be unable to find individual health insurance at any price.

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