Guaranteed Issue Health Plans

We specialize in finding guaranteed issue health insurance for individuals and families. We can insure just about anybody regardless of their pre-existing conditions.

Because we specialize in guaranteed issue health insurance, we tend to get new plans all the time. Use this page as a general guide, but be sure to call us to see what new plans are scheduled to be released.

You might need a guaranteed issue health insurance plan because:

• You cannot medically qualify for health insurance
• The COBRA or Continuation HIPPA plans are too expensive
• Traditional health insurance plans will not cover your pre-existing conditions
• You are an employer looking for a cost-effective plan for employees
• You need maternity coverage

You must have health insurance plan because:

• You cannot afford to get "cleaned out" in the event of a medical emergency
• Access to care is extremely limited and often substandard without coverage.

In spite of what you might think, if do not have health insurance, you will only be covered in a dire emergency. You will little or no say about the treatment and which physicians treat you. In the simplest terms, you become a great teaching case for an intern who was sitting in front of the tv playing video games a few years ago.

Plans for Employed and Unemployed Individuals

Choosing the right guaranteed issue health insurance plan can be a little confusing. That is why we wrote the 5 Minute Guide to Guaranteed Issue Health Insurance. Take the 5 minutes to read through it. It is a fast and easy way to become acquainted with our products.

In the meantime, this page will give you an overview of our plans.

Please feel free to give us a call and we will be glad to explain the plans. Our direct line is 800-272-0512

It Does Not Matter What Pre-Existing Condition You Have,
We Can Get You Medical Coverage

We do not sell discount cards. All of our plans are HIPAA-qualified and count as credible coverage. This is real insurance, underwritten by major U.S. insurance carriers and sold only by licensed agents.

For simplicity sake, I am going to break up the plans into three different categories. Afterwards, you can view a separate product page for the coverage details and costs of each plan.

All of our plans are completely guaranteed issue..

You Can Click The Plan to Go to a Detailed Product Page or Brochure

HealthMax

The plan provides the maximum amount of coverage. We have not found any other plan that will pay out as much as this plan does.

This mini-medical plan gives you everything a traditional health insurance plan does, but, on a reduced scale. For 95% of the clients we work with, they will never need more than the benefits provided. However, additional protection can be added.

For example, you can add an additional $500 a day for hospitalization and receive a lump sum of up to $25,000 on the diagnosis of a critical illness (cancer, heart attack, etc.)

Or, you can add on of our prescription cards or accident plans.

To download a HealthMax Brochure and Application, click here now.

Health Solutions Plans

The HealthSolutions plans are available at three different levels and price points, depending on the level of coverage. Plus, you can add a number of different "Special Plans" to them, that will enhance their coverage.

We have a special web site for these plans that you can reach by clicking on: HealthSolutions Plan

Homeland Platinum Plan

This plan is for those of you who are older than 59 and are not currently employed. Or, it may be used in combination with our other plans for increased benefit.

This well featured plan similar to the HealthSolutions and HealthMax plans. This is not HIPAA qualified (this means that pre-existing conditions are not covered for the first 12 months even with prior coverage, as with the other two plans).

For a direct link, click here: Homeland Platinum Plan

Major Medical Plans

The major medical plan seems to be the "gold standard" for health insurance plans. Most of the individuals who visit this site have medical issues that prevent them from obtaining major medical coverage.

If somebody offers you a guaranteed issue major medical plan and it seems too good to be true - it is. There is no such thing and a guaranteed major medical plan that is not part of a group plan. The exception is few guaranteed issue states like New York or New Jersey.

Final Word

Putting these plans together and deciding which plan is right for you is not always simple task. Even professional agents can find this challenging. Let us help. That is what we are here for. We have a way of explaining the benefits that will make your choices much clearer.

Call us at 800-272-0512 (9 AM to 9 PM EST)