Guaranteed & Guarantees in Health Insurance

• The plan is renewable irrespective of changes in the employee's health and employment status.
• The plan reimburses doctor's fees and hospital charges.
• The guaranteed plan has no deductible, and covers the client in and out of hospital.
• A guaranteed health insurance plan provides for short-term health care expenses as well as long term health care expenses.The major victims of this situation are low and medium income Americans.

Lower income citizens cannot afford the high deductible health insurance plans in the market. The solution is a guaranteed health insurance plan.

Each insurance agency has its own rules and regulations for guaranteed health insurance. Some insurers allow coverage after a waiting period. Some other insurers totally refuse to cover those having pre-existing conditions. In any case , pre-existing conditions puts you at a higher risk and companies are reluctant to provide insurance in such cases.

The Health Insurance Portability and Accountability Act, 1996 (HIPAA) determined that health insurance carriers may or may not provide guaranteed health insurance to clients with 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 six months period ending on the enrollment date. Insurers can exclude such people while determining eligibility for acceptance. They can also exclude people who have been without coverage for 63 days from a policy.

Many Americans are covered with an plan provided by their employers. Sometimes due to change of occupation or retirement such employees face a termination of the plan. Insurance companies often refuse renewal of these health insurance plans without the employer's support. This is where the concept of guaranteed health insurances becomes important. A guaranteed health insurance plan allows renewal irrespective of an employer's agreement.

Millions of Americans are constantly searching for solid health insurances. Unscrupulous merchants take advantage of this situation and lure decent people to enroll in fraudulent health insurances. These guaranteed health insurance plan do not provide help to the client in medical emergencies.


The promises made in such insurances are seldom fulfilled. These supposed guaranteed health insurance plans do not have the contractual backing of a reputed insurers. These so called guaranteed health insurances unfortunately provide little benefits.

Beware of fraudulent guaranteed health insurance plans. Visit our discount health card scam page to know how fraudulent telemarketers and merchants deceive unsuspecting Americans with fake insurances.

Our organization promises and delivers a guaranteed health insurance that guarantees no refusal due to pre-existing conditions. We offer a guaranteed health insurance plan for people who cannot qualify for any other coverage. Our insurance plan is a real health insurance that provides PPO network re-pricing which provides clients with huge savings.