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Old 05-13-2012, 01:57 PM   #1
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Reevaluation of Rates When Health Improves

I'm curious. On an individual health policy with a premium surcharge for being overweight... will the company reconsider the premium if weight drops to normal levels, or are you stuck with the surcharge for the life of the policy?

 
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Old 05-13-2012, 02:01 PM   #2
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Re: Reevaluation of Rates When Health Improves

Different policies have different terms, but call them if your weight drops. You might have to wait a few months to enjoy a lower rate, but you will get one.

 
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Old 05-13-2012, 05:37 PM   #3
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Re: Reevaluation of Rates When Health Improves

Perhaps if you can show that you're off bp meds, no diabetes, etc or whatever weight related issues you had are gone. It's worth a try!

 
Old 05-13-2012, 05:46 PM   #4
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Re: Reevaluation of Rates When Health Improves

Don't have high bp, nor hig cholesterol, nor diabetes. I'm in excellent health except the weight, which I'm dropping as quickly as is healthy, but won't be where I need to be by underwriting time. :-(

 
Old 05-13-2012, 06:45 PM   #5
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Re: Reevaluation of Rates When Health Improves

The best thing to do is to call a heath insurance agent in your state and discuss the options. There are so many variations by state, company, etc, and the laws are changing so fast.

Worst case, once you get a rate, you are locked in for a year, and a lot of companies do work that way. But at the end of the year, if your weight is healthy, they'll probably reduce your rate.

They might also have some form of HELP for members who want to lose weight. Even if it's just a 10% discount on a gym or nutritionist, that's something, and it can't hurt to ask.

 
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