HIPAA-Certified Plans - Coverage Available for Everyone in All 50 States
Guaranteed issue health insurance simply refers to a
class of health insurance products that have no medical underwriting. The
application forms ask no medical questions, there are no height/weight
requirements and with certain limitations, virtually anyone who applies is
accepted.
Unlike term life insurance , health insurance can be very difficult to obtain for many people. Any health insurance agent selling individual health insurance will tell you that even seeminly young healthy people often have trouble getting insured. That is why guaranteed issue health insurance is a boon to those who otherwise would not be able to get coverage.
Unfortunately, a number of companies take extreme license
when it comes to advertising guaranteed issue health insurance products. Many
are nothing more than discount medical cards
(http://www.guaranteed-issue-health-insurance.com/discount-medical-card-scam.htm link from discount medical cards) that are
generally a waste of money. Others are careful to avoid the fact that some of
these plans have limited benefits. Although, they can get past the scrutiny of
regulators in using the “health insurance” label, the insured is generally
unpleasantly surprised in the event of a serious illness.
Nevertheless, there are a few plans that advertise their
benefits in a clear unambiguous fashion, use nationally accepted networks and
most importantly, qualify as “credible coverage” by following strict HIPAA
guidelines.
Is Guaranteed Health Insurance Right for You?
Keep in mind that the customer for these types of plans
is generally someone who:
1. Cannot obtain
health insurance due to medical reasons
2. Wants
coverage for pre-existing conditions (link to http://www.guaranteed-issue-health-insurance.com/existing/health-coverage-existing-condition.htm)
3. Wants a
future pregnancy covered
A perfect example of qualified products can be found at www.guaranteed-issue-health-insurance.com.
They offer three classes of guaranteed issue health insurance plans.
What Kinds of Guaranteed Issue Health Insurance Plans Are
Available?
The first is a type of plan commonly known as a “limited
benefit” or “indemnity” plan. These plans have specific benefit levels for
office visits, testing, hospital admission and surgery. Some of the higher end
plans of this genre offer a considerable amount of benefit each year.
The second type of guaranteed health insurance plan is
something we refer to as a mini-medical plan. This plan has actual co-pays for
office visits, generic and brand-name prescriptions as well as coverage for
testing, out-patient surgery, hospitalization and more. In appearances and use,
it is very much like a major medical plan, but, there are still annual limits.
Finally, there is the full major medical health insurance
plan. True guaranteed issue major medical insurance is very hard to come by.
This is a full guaranteed issue health insurance plan with multi-million dollar
coverage.
Remember, these plans are, with few exceptions, limited
in their coverage. They are designed for those of you who do not have other
viable alternatives due to medical issues or cost.
If you can qualify for a traditional plan, it is
generally the best choice. You should speak to a knowledgeable and honest
health insurance agent that leads (link health insurance that leads to http://www.guaranteed-issue-health-insurance.com/agents.htm)
you to the proper insurance. Use the following link to get additional
information. Or you can click to the site and phone them from from 9 AM to 9 PM
EST.
Guaranteed issue health insurance in all 50 states –
click here now(http://www.guaranteed-issue-health-insurance.com)
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