Pre-existing Conditions

Pre-existing conditions are health conditions for which you have received treatment in the past or are currently receiving treatment. Pre-existing conditions can include diabetes, cancer, heart disease, high-blood pressure, and even asthma or obesity.

Each insurer has its own rules and regulations to determine their own criteria for pre-existing conditions. Some insurance companies allow complete coverage after a waiting period but most insurers simply deny coverage.

Pre-existing Condition Insurance is Our Specialty

Getting health insurance for pre-existing conditions does not mean that this is a lesser type of coverage. Our company represents over nine different insurers that have various differing pre-existing medical insurance plans that are being offered in 49 states.

We know the traumas that people are going through searching for a policy that will cover cancer, diabetes, heart ailments, etc. Excellent pre-existing health insurances are available if you know where to ask.

Who Offers Health Insurance for Pre-existing Conditions?

Nationwide, there are nine insurance carriers (Cinergy Health, AETNA, Blue Cross & Blue Shield, etc) that offer pre-existing health insurance. The health insurance industry is state regulated which means that not all nine insurers are in all 50 states. We are contracted with those carriers and are knowledgeable of any new product that has become available.

Traditional insurers have shunned the preexisting health insurance market for an obvious reason. Offering unlimited, comprehensive benefit plans to those who may be need an expensive procedure such as a kidney transplant while only charging $700-$800 per month is economic suicide.

Charging more than $800 per month would be prohibitive for the vast majority of potential clients. Recently, limited benefit medical insurance plans which accept those pre-existing conditions have entered the market. These insurers, which are generally "A" rated have picked up the lion's share of this sub-industry.

A Pre-existing Condition could mean you are Uninsurable

HIPAA or the Health Insurance Portability and Accountability Act of 1996 (HIPAA) determined that health insurance carriers may or may not cover pre-existing conditions. HIPAA defines pre-existing conditions as a physical or mental condition for which medical advice, diagnosis, care or treatment was recommended or received within a six month period ending on the enrollment date.

Insurance companies can exclude people who have previously had insurance coverage. The insurers can also exclude people who have been without coverage for 63 days.

Acceptance by the applicant to the health insurance policy does not guarantee that full coverage is granted right away. Typically, the insured has to endure an exclusion period of a maximum 12 months following enrollment.

This means that if you were to enroll for a medical insurance on the first day of August and don’t receive any treatment for your pre existing condition between the first days of the previous February to July 31st, you will still have to wait for a period of 12 months from the date of enrollment. Your cover would commence on the first day of the following August.

Millions of Americans are searching for health insurance that will accept them despite an existing medical condition. We are here to help you get the coverage you deserve at a price you can afford.

Health insurances that are not HIPAA compliant do not provide the insured with real insurance coverage, or peace of mind. These health plans have no contractual backing from a regulated insurer. These companies also provide a false sense of security, and are generally worse than having no insurance at all.

Beware of faulty preexisting health insurance plans. They will charge you money and provide very little or no benefit at all. We provide health insurance for existing conditions with standardized pre-existing condition health insurance plans.

The insurers we have selected for our clients promise and deliver health insurance plans that accept all applicants regardless of pre existing conditions. A guaranteed issue health insurance policy for people who cannot qualify for any other insurance due to existing medical illnesses is our specialty.

We welcome you with open arms to enjoy the benefits of our expertise in health insurance that accepts you for who you are, and recognizes everyone's need for quality health care regardless of the situation they're in. An added benefit is that our insurance is real health insurance that provides PPO network re-pricing which will save you money.

Consult a Doctor by Phone to Reduce the Cost of Care

Research has shown that doctors who communicate via telephone and email to their patients are able to treat more patients per day and have substantially less operating expenses.

As life spans increase, people are inevitably seeking more care from healthcare professionals. The cost of such care is prohibitive for many.

Refilling prescriptions, first and second opinions based on the results of diagnostic testing and many other doctor visits can be avoided by using today's modern technology. Ask your insurance agent how your telephone and internet connection can reduce your out of pocket medical expenses.