As a guiding light, consider health policy.

 Numerous residents are relatively familiar with large group medical insurance through their employer if they've ever worked for a large pot(a large group is considered a company or group that has further than 50 workers). Still, when it comes to understanding individual medical insurance and how it works or indeed understanding small group medical insurance and how that works it turns out to be kindly different than the large group medical insurance plan that most have known so well for so long. 

 Individual medical insurance is different from group medical insurance is because of the fact that the underwriting departments at each insurance company will check veritably nearly any pre-existing conditions that an aspirant has in their health history( going back over to 10 times) if they're applying for an individual policy. 

 

This scrutiny is geared towards chancing any adverse health conditions or precursors to health conditions similar as diabetes, high cholesterol, heart complaint, rotundity, cancer, etc. Conditions similar as diabetes, cancer, heart complaint, and severe rotundity will beget a health insurance company to automatically decline an operation for content with an individual medical insurance policy. 

Less severe-existing health conditions similar as high cholesterol, high blood pressure, mild rotundity, and heartburn/ acid influx will generally affect a rider being placed on the accompanying policy that will count content for anything related to that specific-existing condition. Riders are generally levied on an indefinite base or a temporary base( 12- 24 months in utmost cases). 

 

There are many insurance companies ( one of them presently being Aetna) that don't issue riders on the individual medical insurance side as is most common but will rather" rate up" an aspirant they suppose presents a redundant threat due to pre-existing conditions. This" rate up" simply means that they will offer to cover the mild pre-existing conditions but they will offer you a rate increased decoration quantum that can be 10 further than was originally quoted to you, 25 further, 50 further; it all depends on the underwriting department at the insurance company as to what decoration quantum that they will offer you if they decide to accept you. 

group medical insurance is importantly simpler in that generally there isn't as important scrutiny towards an aspirant's health history and existing conditions. This is good or bad depending on your present health condition. It's good if you're an unhealthy person with some major-existing conditions because it allows you to gain group medical insurance when you would be declined if you tried to gain individual medical insurance.