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Our company prides itself in offering a health insurance solution to those who need it most. We know how frustrating it is to find affordable health care if you have already been diagnosed with a medical condition (pre-existing or ongoing). Guaranteed health plans are the answer to all your problems.
Our licensed health insurance agents are here to help you. We have made it our life's work to get to know the entire medical industry and pick out which companies are willing to accept you in your area for a price that meets your needs. Give us a call and we will do all of the work for you.
If this is the first time you are purchasing health insurance because you have been fired or left a job, don't worry. We specialize in offering alternative options to expensive COBRA plans.
COBRA can tend to be three two four times more expensive then the more affordable guaranteed health options. Again, the plans available in your area at a given time may vary but we are here to make sure we find the best plan to meet all of your health needs.
Our company works with only A-Rated carriers by AM BEST and other accredited organizations. They adhere to all federal regulations regarding pre-existing conditions and where applicable accept creditable coverage according to HIPPA (Health Insurance Portability and Accountability Act). These companies are well known in the industry for their customer service, claims turn over and access to quality health care providers. Not only do we want to make sure you get coverage, but we want to be sure you get the best health insurance plan for your money.
Health Insurance Guaranteed is the nation's leader in health care for those with pre-existing conditions of all age groups. We are able to help over 80% of our clients find insurance, prescription coverage and excellent catastrophic insurance for their pre-existing medical conditions. For those with creditable coverage or who have had insurance within the last 63 days, we are even able to provide HIPAA plans that will accept you and even cover your pre-existing conditions from THE FIRST DAY! This means you will have no hiccups in coverage when moving from COBRA to an individual policy.
All guaranteed health insurance plans include health coverage for:
- Doctor’s Office Visits
- Wellness Visits
- Blood Tests
- Overnight Hospital Stays
- Emergency Room Visits
- Critical Illness
- And so much more
Benefits for the above services will all be available to you from our health insurance providers. We work for you NOT the insurance companies which means we will make sure that you choose the plan that will reduce your health insurance bills, often leaving you with no out-of-pocket.
We offer PPO health insurance for those with pre-existing medical conditions. The Multiplan Network of Doctor’s is one of the largest in the nation. Go to www.multiplan.com, to see if your doctor is in the network. Remember, that even if your doctor is not specifically in the network, they will still get paid cash benefits directly from the insurance provider. This is the benefit of choosing a PPO. You have the freedom to choose any doctor, any time, with NO REFERRALS! Choosing a health insurance policy with no referrals means that you will have chosen the best medical coverage to cover any health conditions you have now or will incur in the future.
Prescription coverage for pre-existing conditions can be the most difficult to obtain. We are able to search your prescriptions against all of the carriers currently accepting those with pre-existing conditions in your area and compare your options for you. There is no need to look elsewhere. We carry all the major carriers. We pride ourselves in providing the largest number of health insurance quotes for those with pre-existing conditions. Call us today to get your free health insurance quote including pre-existing medical conditions. Quotes you are given are NOT subject to change!
Have you been looking for life insurance to cover your family in the event of a sudden death, but have been unable to get it due to being in a high-risk category? You’re not alone. There are many people with pre-existing health conditions who are not able to get life insurance coverage. This leaves their families exposed and vulnerable in the event of a death.
We have made it our job to find life insurance companies that do accept people despite their pre-existing conditions. If you’re struggling to get life insurance coverage and have been repeatedly denied for it due to your age or a major medical condition that puts you in a high-risk category, you can get all the coverage you need by getting guaranteed issue life insurance. We carry policies for up to $150,000 worth of coverage. What’s incredible is that the monthly premiums are affordable.
What is Guaranteed Issue Life Insurance?
Guaranteed issue life insurance is exactly what it sounds like — life insurance that is issued with no underwriting. This means, that you cannot be denied! In other words, if you apply for it, you will get it — it is a guarantee.
There are no medical questions to answer, and there are no physicals to take. You will not be prodded with needles or forced to stand on a scale. Your medical history will not be examined under a microscope. Our company works with reputable life insurance companies such as Mutual of Omaha and other A-rated carriersto ensure you will undergo no medical underwriting process.
Medical underwriting would typically determine how much you pay for your life insurance premium. But with a guaranteed issue life insurance policy, this is eliminated. That means that premiums are determined by a scale of other high-risk policyholders in your particular age demographic. In other words, if you’re a 65 year old man getting this policy, you will pay a premium based on the premiums of other men in your age group who are considered high-risk. That generally means cheaper premiums for your life insurance.
What Guaranteed Issue Life Insurance Covers
Life insurance, whether it is guaranteed issue or otherwise, pays a death benefit. This money will go to cover final expenses and to pay the way for dependents and beneficiaries. Specifically, a guaranteed issue life insurance policy will pay a death benefit that will cover several items:
- Funeral expenses - the cost of funerals, burials, and cremation are all quite expensive. Cremation starts at around $1,000, and burials start around $6,000. Add the expense of a funeral/wake/memorial service, and prices can skyrocket to around $10,000.
- Estate taxes. Upon your death, there may be estate taxes associated with your property. This way, your family will not have to liquidate it in order to pay the bill.
- Unpaid medical bills or mortgages. You can often get enough coverage to pay off your mortgage or any unpaid medical bills.
The rest of the money can go to an heir or heiress, to ensure that his or her financial burden is lessened in your absence. It can go toward paying their bills and their daily expenses. It can also go to a favored charity if you so choose.
Limitations of Guaranteed Issue Life Insurance (and what you can do about them)
The limitations of a guaranteed issue life insurance policy are mostly contained to those with graded payouts. In other words, if you purchase a policy and then die within the early stages of that policy, your family will not get a full death benefit. They will get a certain percentage, based on how long that policy has been in effect.
The reason for having a graded benefit is due to the fact that insurance companies have often found, in the past, that a person would buy a policy that would pay out in full only to have the policyholder die in just a few short months afterward.
This term of graded benefit payout is typically for a two year period, although some policies go for as long as a five-year period for a graded death benefit payout. Essentially, you can avoid this limitation in two ways:
- You can search for a policy that has a minimum graded payout time such as many of the regular issue and guaranteed issue life insurance policies we offer.
- You can purchase a policy well before you expect to die. For example, if you have been diagnosed with a serious illness, you will want to get your policy sooner rather than later.
This advice isn’t as trite as “buy a policy and don’t die,” but it is much wiser to buy a policy earlier on if you find that the policy has a graded death benefit payout. Don’t feel that you are too young to afford life insurance. We have found half a million and million dollar policies for a fraction of what you would think it my cost, often running around $50 a month. If you buy too late, you could wind up paying more than your family will get back in the event of your death. When you purchase a policy, try to remain in the best health possible for as long as possible.
The good news is that with the guaranteed issue life insurance policies that our company offers, even if you are not currently in what companies consider good health, we can still cover you for a very competitive price.
Why you need Guaranteed Issue Life Insurance
If you have a pre-existing medical condition or are at an age where regular life insurance will not accept you, then you probably need guaranteed issue life insurance. It will be necessary for both your final expenses and of course, to give your loved ones peace of mind. Not only will they have to cover your funeral and burial expenses, but they will also have to find a way to make due without your income or what you would ostensibly provide to the household. Even if you don’t work, you still bring a valuable asset to your family, and that needs to be covered in the event of your death.
Guaranteed issue life insurance is a sure way to get your final expenses and family bills covered in the event of your death. If you have been turned down by companies due to a health condition, failed the physical examination requirements, or simply go rejected due to your age, sign up with a guaranteed issue life insurance plan, and get your family the coverage that they need and deserve.