Best health insurance policy to go for?

What is the best health insurance policy to go with? I am recently out of the military and need to purchase an individual health ins policy. However, I am not sure which ones are the best. I am a student, do they offer any good student policies? Also, is the SGLI to VGLI conversion a good change to make? If not, which is better term or whole life insurance policies?

vgli is a 5 year renewable term policy meaning you can renew it every 5 years for the same amount of insurance but your premiums will have gone up cause you've gotten older. as far as whole life vs. term i tell people it depends how old they are and what they're responsible for financially. ie: If you're young and don't have a family basically you're just responsible for putting yourself in the ground. Here you can get free quotes from different companies in your area, its the best way to find an affordable health insurance with a reliable company. Hope this help,

What is the waiting period on a health insurance policy?

I was in a car accident about 1 1/2 months after I got my new health insurance coverage. I didn't have personal injury protection on my auto insurance policy so I'm billing my health insurance for the costs. Anyways they just sent me a letter saying that the services occurred within the waiting period of the policy therefore this claim is pending for receipt of physicians report. What does all this mean? Can they deny the coverage?

Companies normally have a 60 day "underwriting period" to see if they even want to accept your application. Since yours was a NEW application and still within this period, they are probably still waiting on reports from your doctors to see if you had any pre-existing conditions that might have caused the accident. If not...you shouldn't have a problem - it just takes a little waiting time. Good luck and I hope this helps!