Guaranteed Issue Health Insurance

Guaranteed Issue Limited Benefit Plans (Mini-Medical)

The plans we offer are commonly known as mini-medical, indemnity or defined benefit plans. They are limited benefit plans but do have hospital, surgical, lab, office visit and prescription coverage using a schedule for payments.

These plans are not a replacement for major medical coverage. They are, as I just mentioned, "limited" in coverage. However, they are often the best plan you can purchase if you have a pre-existing condition.

They are also used by individuals that want to eventually have coverage for a pre-existing condition that was denied by a traditional plan.

You do not need to be employed or have prior coverage. There are no health questions and almost everyone is accepted. With few exceptions, if you have a pulse, you will qualify.

While these plans do have limitations, we can augment them with other plans to enhance their coverage for cancer, accidents and hospitalization.

These are NOT discount cards - This is real health insurance

To view our basic guaranteed issue health insurance plans please click on this Guaranteed Issue Health Insurance Plans link.

New Plan

We have a new plan that is very interesting:

- Up to $2,000 a day for hospitalization and $4,000 for an ICU (the highest of any plan of this type)

- Multi-tier prescription card

- Underwritten by an "A" rated company (one of the BlueCross companies but we cannot put it on our web site so call us).

- BeechStreet PPO network, Aetna dental and Coast vision included

Available in most states. Give us a call and we will send you the brochure.

Maternity Coverage

Many of our guaranteed issue health insurance plans will cover maternity expenses the same way they will cover any other medical expense. Some require that you have them before you are pregnant and others are available even if you are already pregnant.

In all instances, these plans will pay you more than you pay them - a lot more. I can never figure out why someone who is pregnant or plans to be pregnant soon does not take one of these plans. It is, if you will excuse the expression, a no-brainer.

Please use this Maternity Plan link to view our available maternity coverage.

Group Mini-Medical Plans

If you want to provide a mini-medical plan for your employees, you should call us. The available plans depend on your location and size of your group. This is guranteed issue health insurance. There is no medical underwriting on these plans.

Guaranteed Issue Disability Plans

In addition to guaranteed issue medical coverage, we can also provide both short term and long term guaranteed issue disability plans. It does not matter if you have been declined before. We can cover just about anybody who is gainfully employed.

If you are reading this page and have a medical issue, you might be in shock that I can give you this type of coverage. Snap out of it and click on the disability link. You, more than most, need this coverage.

You can get full details on our Disability Plan page.

Guaranteed Issue Life Insurance

Our life insurance is actually an "almost" guaranteed issue plan. There are a few medical YES/NO questions, but there is no exam or blood tests. You can see all the questions on our life insurance page.

Use this Life Insurance link to see more details.

Dental and Vision Coverage

If you are looking for a full PPO dental plan similar to the one you had when you worked at MegaBucks Corporation, you will be very disappointed. Those plans are not sold to individuals. They are group products and they are expensive.

We do have a great dental and vision plan with a large national network. I could offer you a dozen different plans, but this one seems to have the largest network and includes vision. Please click here for the direct link to the site. When you get to the landing page, click the Protection Packages button which is under the Membership Plans area to get a rate. Or you can get to our dedicated dental plan web site that has all of our plans. Use this Dental Plans link to begin.

Some of our guaranteed issue health insurance plans come with dental and vision discount plans. They may be more than adequate for your needs.

Accident and Accident Disability Coverage

Most major medical plans make you meet a deductible before they will cover a visit to the emergency room. The result is that you need a few stiches and end up paying $2,000.

It is much cheaper to use an accident plan. These are low cost plans (a family of 5 is about $36 a month). It includes accident disability. For about $10 more a month, you can get up to 10 years of disability of up to $10,000 a month. I can assure you that this is very cheap coverage.

It is in the same place as the above dental plan. So, Please click here for the direct link to the site. When you get to the landing page, click the Protection Packages button which is under the Membership Plans area to get a rate.

Cancer Plans

I used to think cancer plans were a waste of time. Of course that was when I was younger. Now, I realize that for a very small monthly premium you can get a lot of coverage that will pay for the expenses associated with cancer. This includes:

- Treatment (experimental treatment is not covered by major medical)
- Lost wages
- Deductibles
- Travel expenses
- Home care

If you have limited benefit health insurance plan and qualify for one of these plan, you would have to be just a little south of crazy not to get one.

I do not have it for every state, but will add on states as requested. Take a moment and look at our Cancer Plan page with this link.

HIPAA Qualified - Real Health Insurance

We frequently get asked if this is real health insurance and will it count as having continuous coverage.

Yes, this is real health insurance and not a discount plan. There is a real health insurance company underwriting these plans and we have to be duly licensed to sell them.

No, they are not HIPAA qualified. The few remaining plans that claim HIPAA qualification will lose this designation shortly. The HealthCare act has mandated requirements that would impossible to meet.