Aetna Health Plans Menu
Aetna Health Insurance Medical Underwriting
Aetna does not offer information on how they underwrite their health insurance policies to the public. Aetna health plans has some of the lowest pricing, however they can also increase the monthly costs by up to 50% based on your health answers. You can also be declined by Aetna. Each insurance company varies as to what conditions they consider risky. The worst case is if you are declined by an Insurance company. This could affect your ability to purchase liufe and life and health insurance in the future. A health Insurance can ill prescreen your application with the Aetna underwriters when necessary. This way, you can choose a plan knowing that Aetna is more likely to accept you and at what monthly prices .
Should you buy insurance from a broker?
The price of health insurance in Connecticut is fixed by law - you cannot find a better price anywhere for the same product. The insurance companies will pay the agent/broker a 2% to 5% commission to help you find the best medical plan for you and your family. A local health insurance broker knows all the health plans and companies in your area. The best way to buy health insurance is from a broker that specializes in health insurance in your state.
Is it better or will it be easier to go directly through Aetna?
The employees of the insurance company's who underwrite or answer calls on claims do not know who the agent is. They underwrite the application and service the people equally. Going directly through websites or going to Insurance companies without using a health insurance agent is the most common way to be declined insurance unnecessarily.