Most health insurance plans do not require a medical exam prior to issuing a policy. They do require curreent medial records, however. If you do not have medical records, then they may require you to get an examination before they issue a policy, and this is at your expense. Reason: If they started just handing out policies to just anyone wh applied, nobody would apply untilthey were sick! Once the horse is out of the barn, it is typically too late to buy medical insurance. Just like your car, you can't buy car insurance to repair from a crash after the fact.
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