Individual Health Insurance Question
Looking at RE and individual health insurance, we are concerned about costs and being rated too high or turned down. DW chronic back related issue, alot of PT visits over a few years, also on anxiety meds. I have high blood pressure (controlled with generic drug) and recently taking anxiety meds due to anxiety of getting close to RE.
We've talked to local agent and she suggest we apply and see what happens. Agents idea is since I'm still w$rking, we would get an idea about insurability before making the jump.
My question / concern is does anyone know if we apply now, but don't get insurance or are rated high risk, how does that impact things say a year from now when we apply for real? Assuming health improves, DW has been retired for a couple of months and been able to reduce PT and drop one med for nerve/back issue.
I don't mind coming to w**k,
but that eight hour wait to go home is just bulls**t!