Guaranteed Plans are a nationwide company that specializes in providing individuals with affordable health insurance products. They have joined with USB a nonprofit organization that was formed in Washington in 1983 to help individuals, families and small businesses to a better more affordable way of life. USB developed a unique line of guaranteed acceptance association memberships that help provide affordable health care to everyone. These memberships are sold only through licensed Guaranteed Plans agents who are located throughout the United States.

What is covered by the Guaranteed Plans Plans?

But what is exactly covered by these plans? They are not major medical plans in the traditional sense and they are not designed to be a replacement for one. However a limited indemnity plan provides coverage for hospital care, surgery, routine doctor’s office visits and wellness care. One typical benefit, $2,000 per day for a hospital admission, is more than adequate to cover much of the expense a patient can expect to incur. In another example such a plan will usually cover all the expenses related to a surgery at the standard Medicare rate, which is acceptable to most doctors these days.

Exceptional Benefits Hard to Find Elsewhere.

One of the more unusual benefits offered by a Guaranteed Plans/USB plan is something called “Your Surgical Trip”. This allows coverage for surgery performed at a clinical center, accredited by the Joint Commission of International Hospitals, the worldwide division of the body that accredits US hospitals. The care outside the US often surpasses that available in the US but for a far lower cost. This can be beneficial for those who are facing a particularly expensive and extensive surgical procedure.

Another benefit that Guaranteed Plans/USB offers may prove invaluable in the current economic climate. If an enrolled individual loses their income due to a job loss they will obviously face a financial crisis in most cases. If you have lost your job through no fault of your own the membership dues in the program will be waived for up to 3 months while things calm down.

Once a person enrolls in a USB/Guaranteed Plans program they may also be eligible for help with their previous medical bills. A team of advocates has been very successful in negotiating with doctors and hospitals to get all kinds of past healthcare bills reduced to reasonable and manageable level.