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Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

What To Include On An Application

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Question: I have an application for United Healthcare and it's asking for so much information that I'm way overwhelmed. What do I include and what do I leave off? I'm completely healthy other than I'm taking HRT meds for hot flashes. I had a summer cold last year but I'm not sure of the date - do these two things need to be on there? Their asking for 10 years back.

Answer: Technically speaking, yes those items need to be on the application. Practically speaking, however, I would recommend including recurrent, significant or chronic conditions or those for which you are currently under treatment. Your treatment with hormone replacement therapy (HRT) for hot flashes would fall in to this category but the cold you had last year would not, as long as it was cleared up quickly and without further treatment. Hope this helps.

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