Guaranteed Issue Health Plans

Guaranteed issue means there is no underwriting and there are no medical questions on the application. In simple terms this means that the health insurance policy will be issued regardless of your medical condition. Traditional health plans require you to answer a series of medical questions and your health records are reviewed by an underwriter who can deny coverage based on your answers. Guaranteed issue plans can not use your past or current medical conditions to deny coverage.

Even if a traditional health insurance carrier accepts you in one of their plans, they still might not cover your pre-existing conditions. With a guaranteed issue plan, if you have had coverage for 12 months without a break in coverage of longer than 63 days, all pre-existing conditions will be covered from day one! If you were previously covered for less than 12 months, you will still get credit for the time you were covered. Should you come to us without having had a health plan for longer than 63 days, pre-existing conditions will still be covered but there will be a waiting period.

Individual health insurance differs from group plans because the carrier does not have to accept you. Even if you have had prior health insurance and can obtain a “certificate of coverage” to prove it, they still can turn down your application based on your past health records. Keep in mind that your definition of being healthy could differ from the insurance company’s definition. For example, if you had by pass surgery 10 years ago and just ran the Boston Marathon, you will still be uninsurable by traditional carriers.

We are the experts and can help you determine your insurability and the best plan to meet your needs. If you are medically uninsurable or you have been turned down for coverage by a traditional carrier, you need a guaranteed issue plan. All of our plans offer you access to a large national network of providers and you will never pay more than the contracted rate that our network has negotiated for all of your medical expenses. We will help you choose the plan that meets your needs and your budget.

The plans we offer are all HIPAA qualified which means they are considered “credible coverage” by other carriers.

If you have one of our plans and in the future you are offered a group plan through your employer, you will receive credit for time on our plans that will count toward the 12 month waiting period on pre-existing conditions.

Phone us today at 301-980-2915 to discuss your individual needs and circumstances, or click the link immediately to your left for details, then give us a call. You need health insurance and we will offer you a way to get it!