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What underwriting does Kaiser Permanente GA do when applying for individual health ins. besides MIB? an exam?

I just applied for Ga's Kaiser Permanente hmo individual health insurance, with a maternity plan. I answered the app honestly, Ive had no issues other than a previous C section, in which wasn't asked. It asked if I've ever been hospitalized in the last 6 months other than for pregnancy, so I said NO. I do not have a MIB file as I have never had an independent plan before...only group insurance. I was curious if they will ask ME for copies of my medical records or how else will they know it? Will they do a medical exam/physical? I have read that some make you take a pregnancy test at the kaiser facility beforehand... but I was just curious. I just had COBRA before this as it ran out 2 days ago. I have the letter stating from Cobra no preexisting... Just wondering if theres anyone out there that knows what will happen next before approval or denial.. Oh I need to say that Im young, mid 20's and would like the maternity to have more children in the future. I am not currently pregnant but hope that they dont deny me soley on having a previous c section.

Public Comments

1. I don't know anything about Kaiser personally. I have a health benefits plan that covers everything from specialists to general physicians. I save alot of money not paying out ins. every month and there were no questions when I joined because they take everyone. There is no waiting period either, I had coverage as soon as I signed up. Want to know more would be glad to help, just contact me.
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