Guaranteed Issue Health Insurance

A big problem faced by regular citizens today is rising health care costs. This problem is further compounded by the cost of obtaining a guaranteed health insurance plan.

Perhaps you have been diagnosed with a pre exisiting condition and find it hard to get insurance cover as a result? In both cases, Guaranteed Issue Health Insurance can help...

A guaranteed issue health insurance policy is one in which the client is not refused insurance on the grounds of a pre-existing health condition or employment status.

A guaranteed health insurance plan has the following specific characteristics:

• 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.

Who is Guaranteed Issue Health Insurance Designed For?

Lower income citizens cannot afford the high deductible health insurance plans in the market. Those who have a pre-existing condition will find it hard to get the cover they deserve. The solution is a guaranteed health insurance plan.

Pre-existing conditions are health conditions for which you have received treatment in the recent past or are currently receiving treatment. Diabetes, AIDS, pregnancy, heart disease, high-blood pressure, and even asthma in advanced ages are pre-existing conditions that determine eligibility for health insurance.

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

Guaranteed Insurance Compliance

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 a six month 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 policy coverage for 63 days.

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 Issue Health Insurance plan allows renewal irrespective of an employer's agreement.

Millions of Americans are constantly searching for solid health insurance policies. Unscrupulous merchants take advantage of this situation and lure decent people to enroll in fraudulent health insurances. These guaranteed health insurance plans 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 and the 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.

We make promises that are kept and never refuse health insurance to anyone due to a pre-existing condition.

We welcome all Americans who require a guaranteed health insurance plan with open arms to enjoy benefits from our unique health insurance plans without the worries concerning pre-existing conditions.

Please visit guaranteed health insurance for details of our real guaranteed health insurance plan where pre-existing conditions or employment status are not a disqualification.

We will Accept You:

These plans are insured by various A.M. Best rated insurers. Certain parts of the policy have pre-existing waiting periods while other do not. Please consult your licensed insurance agent.