What is a medical subscriber?

Medical subscriber determines whether the applicant should be provided with medical coverage on the basis of current or existing patient health conditions. After evaluating the health of the applicant, the medical subscriber may then accept or reject the insurance coverage for individuals, and if the applicant is accepted, then he / she can determine what premium rate he sets for a particular client at the financial risk that includes the applicant's acceptance. Although it was created to reduce premiums for individuals, the practice of medical subscription may be considered to be a hard practice by some that rejected the coverage based on a small condition. However, insurers may claim that this practice prohibits individuals to seek coverage strictly when operations or other expensive medical procedures are needed.

Some insurance companies can claim that by creating some applicints ineligible, the return on investment of insurance premium is youused, which helps these bonuses more accessible to the masses and helps to ensure some cash return for insurers. Given the negative adoption of medical subscription by some individuals in the United States, practice in some countries and some insurance companies was limited by law. These states, in turn, generally maintain the highest average premium in the country. Although it can be argued that forbidding medical subscriptions allows other uninsurable candidates to receive certain coverage, insurance companies often claim that refusal of practice would further increase premiums and prevent those healthy individuals without prior condition to afford insurance or medical coverage.

Some health conditions that may result in a medical subscriber reminding the coverage of individuals of cancer. Less serious and often healing conditions such as obesity, anorexia and old injuries can also prevent some individuals to be accepted by the insurer. A set of criteria taken into accountThe subscriber may vary depending on the insurance provider or the state or region in which the applicant is located. Millions of individuals living in the US are currently considered to be uninsured because of a certain existing situation that may or may not be sufficiently serious to guarantee rejection of bonus. This concern continues to raise the debate all over the country.