Q: What is Guaranteed Issue Health Insurance?

A: This health insurance will accept you for real health insurance policy regardless of existing medical conditions. Of course, there are limitations and a waiting period but we will accept you.

Q: Why is this program suddenly available to the general public?

A: The tremendous amount of negative publicity about discount medical cards has caused various players in the insurance industry to demand a real insurance alternative for the millions of uninsured Americans.

Q: How can you offer people with medical problems health insurance and stay in business?

A: Insurers offer an indemnity insurance plan which pays a specific amount of money per medical expense occurrence. There are limitations for financial exposure in the policies. But the reason that our plans are becoming so popular is because of the tremendous savings patients enjoy when they go to doctors and hospitals.

Q: Is there a waiting period to receive medical benefits?

A: Generally, coverage is not provided for loss due to a pre-existing condition for 12 months from the covered person's effective membership date. There are exceptions. Please contact us for details to this very important questions. We represent multiple companies and will help you chose the insurer that will cater more specifically to you unique situation.

Q: What is re-pricing?

A: Re-pricing is a major benefit of health insurance. Normally a hospital will charge, let's say, $20,000. The $20,000 can potentially be cut in half due to the hospital offering discounts to insurance company policyholders. Savings occur with doctors, labs, surgeons, etc.

Q: Do the doctors and hospitals have to give me the re-pricing discounted fees?

A: The repricing fees are a contractual obligation between the insurance company and the medical provider. These lower fees are part of a contract and therefore, are mandatory.

Q: Is there a financial backer behind these guarantees?

A: Firstly, the insurance company that is behind the health insurance is an top rated health insurer with billions of dollars in assets. Secondly, the law states that when a hospital contractually obligates itself to offer lower prices to certain insurance company policyholders then the contract will determine the price.

Q: Can I lose the insurance if I use it too much?

A: No, We welcome you with open arms and only wish you health and happiness.

Q: Why am I hearing of guaranteed health insurance now?

A: During the past few years there has been a lot of talk about various discount medical card programs. These programs have been often useless or outright fraud. Therefore, we represent a real insurance alternative which has become increasingly popular and many folks are now purchasing real insurance with reasonable quotes.