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Advantages of guaranteed health insurance plans for all

Advantages of guaranteed health insurance plans for all

How often do we know of people who lament and mourn about their insurance policies? Either the policy does not cover what it promised to cover, or simply makes the insurer pay all his bills despite the promise. So if you're in either of these situations or simply have an insurance plan that has expired or is about to expire, the perfect choice would be to opt for guaranteed health insurance plans. Here are some basic advantages of opting for such plans.

Real and reliable

When you are looking for health insurance plans, the first point of concern is its reliability. By buying guaranteed health insurance plans offered by reputed companies, you are assured of real and reliable plans, which pay at the time of claim. Therefore, you no longer need to worry about your claim not being honored.

Wide and creditable coverage

 Most people who opt for cheaper plans or discount cards get caught in scams, lured by the option of lower premiums, only to realize later that they have to pay huge out-of-pocket expenses in their hour of need. Even where the coverage is reliable, it may either prove to be inadequate or not cover pre existing medical conditions. Guaranteed issue health plans not only offer wide coverage that includes pre existing medical conditions but are also affordable. Here are some of the basic elements that such plans cover:

  • Hospitalization and allied services
  • Basic medical care
  • Medications and treatment costs
  • Accidental insurance
  • Dental care
  • Vision care and much more

What makes such policies and plans really attractive is that they never say no to anyone, irrespective of whether or not the other person has a pre existing medical condition.

Contracts and commitments

When you opt for the real guaranteed health plan, you are assured of the fact that doctors and medical establishments found in your list will honor their contract and commitment. In other words, these doctors have committed to provide medical care to patients with such plans at discounted rates. These doctors and establishments do their best to ensure that this commitment and contract is honored and adhered to. So, you need not worry about paying your medical bills despite having an insurance plan.
So, if you are looking for good and reliable health insurance plans, opt for the real guaranteed issue health plans and don't get lured into any scam.

 

Different Types of Pre-Existing Condition Insurance

Different Types of Pre-Existing Condition Insurance

There are 2 types of pre-existing condition insurance coverage:

  • Public pre-existing condition insurance plans
  • Private pre-existing condition insurance plans

Public Insurance Plans

This type of pre-existing condition insurance coverage is normally provided by the federal government or the state government. There are times when you are not able to have health insurance from your employer, or buy Medicare and other individual plans. If you have not had insurance for more than six months, you may apply for such insurance, as you will be eligible for the public pre-existing conditions health plan. However, you will have to pay a premium every month along with co-payments. In case you can’t afford these premiums, you may apply for a Medicaid.

Remember

  • There are three types of government plans on offer.
  • Each plan gives you access to a limited number of providers listed in its network. Thus, you won’t be allowed to get treated by your preferred doctor if he/she isn’t in the network of your chosen plan.
  • Your deductibles, premiums, and co-pays will differ based on the plan you choose.
  • All plans pay for your preventive care completely.
  • These plans are temporary and costs vary according to the State where you reside.

Private Pre-Existing Conditions Health Plans

There are many genuine and fraud companies that offer these plans and the costs, level of coverage, and quality vary from one plan to the other. There are limited indemnity plans that have certain limitations of amount as well as coverage. Here, you tend to pay more to get more coverage.
Depending on the genuineness of the limited indemnity plans, your medical cards can offer you discounts on prescription drugs and health care services from certain providers and for certain treatments, which is quite similar to pre-existing insurance plans issued by the government.
Benefits

The major benefits of pre-existing condition insurance plans are:

  • They are very cost-effective.
  • They are guaranteed issue plans, which mean that you will not be refused coverage.

Conclusion

Whatever plan you choose, it is very important for you to check them for their quotes, limits, and other factors to ensure savings.

 

Requirements for Guaranteed Health Insurance

Requirements for Guaranteed Health Insurance

With thousands of people looking for financial support to pay their medical bills, a prudent solution is offered by the guaranteed health insurance plans. As the name implies, such insurance, unlike the limited indemnity plans, offer insurance to almost all people who apply. 
There may be times when you apply for medical expense reimbursement under a guaranteed health insurance plan, only to be refused. You may not be aware that you have to file a proper claim for your expenses to be compensated. The majority of insurance plans require you to submit all the supporting documents, out of which you might have missed one or two, thus ending up having a claim that’s refused. This is why you should know about the requirements of guaranteed health insurance plans to benefit from them.

Requirements for filing a successful claim

There are usually no restrictions or requirements based on which your claim would be refused. However, you should pay the monthly premiums on time along with any other additional fees that may be applicable for your policy, and file your claims the right way. Thus, the minimum requirements of filing a successful claim include:

  • Prompt payments of premiums and other payments, if any.
  • Filing your claims along with all the supporting documents.
  • Ensuring that your State or federal law permits such plans.
  • Staying in the same State where you have bought the guaranteed health insurance plan.

Benefits of guaranteed health insurance

Some of the benefits of such plans are listed below:

  • You are not refused reimbursement of your medical expenses even when they are quite high.
  • You are covered for all outpatient, operation, and hospital expenses.
  • Discounts on offer can reduce your medical care costs by up to 50%.
  • You get discounts on your prescription drugs.
  • Maximum payments are disbursed to cover lifetime occurrences of health issues.

Choosing the right plan

To select the right guaranteed health insurance plan, you should consider these factors to compare and decide:

  • lifetime per-occurrence maximum
  • deductible amount
  • benefit period
  • specific limits
  • other medical card requirements, if any

You can take your search online to get instant quotes from multiple insurance companies to compare these factors and select the plan that best suits your needs and budget.

 

Advantages of guaranteed health insurance plans for all

Advantages of guaranteed health insurance plans for all

How often do we know of people who lament and mourn about their insurance policies? Either the policy does not cover what it promised to cover, or simply makes the insurer pay all his bills despite the promise. So if you're in either of these situations or simply have an insurance plan that has expired or is about to expire, the perfect choice would be to opt for guaranteed health insurance plans. Here are some basic advantages of opting for such plans.

Real and reliable

When you are looking for health insurance plans, the first point of concern is its reliability. By buying guaranteed health insurance plans offered by reputed companies, you are assured of real and reliable plans, which pay at the time of claim. Therefore, you no longer need to worry about your claim not being honored.

Wide and creditable coverage

 Most people who opt for cheaper plans or discount cards get caught in scams, lured by the option of lower premiums, only to realize later that they have to pay huge out-of-pocket expenses in their hour of need. Even where the coverage is reliable, it may either prove to be inadequate or not cover pre existing medical conditions. Guaranteed issue health plans not only offer wide coverage that includes pre existing medical conditions but are also affordable. Here are some of the basic elements that such plans cover:

  • Hospitalization and allied services
  • Basic medical care
  • Medications and treatment costs
  • Accidental insurance
  • Dental care
  • Vision care and much more

What makes such policies and plans really attractive is that they never say no to anyone, irrespective of whether or not the other person has a pre existing medical condition.

Contracts and commitments

When you opt for the real guaranteed health plan, you are assured of the fact that doctors and medical establishments found in your list will honor their contract and commitment. In other words, these doctors have committed to provide medical care to patients with such plans at discounted rates. These doctors and establishments do their best to ensure that this commitment and contract is honored and adhered to. So, you need not worry about paying your medical bills despite having an insurance plan.
So, if you are looking for good and reliable health insurance plans, opt for the real guaranteed issue health plans and don't get lured into any scam.

 

Different Types of Pre-Existing Condition Insurance

Different Types of Pre-Existing Condition Insurance

There are 2 types of pre-existing condition insurance coverage:

  • Public pre-existing condition insurance plans
  • Private pre-existing condition insurance plans

Public Insurance Plans

This type of pre-existing condition insurance coverage is normally provided by the federal government or the state government. There are times when you are not able to have health insurance from your employer, or buy Medicare and other individual plans. If you have not had insurance for more than six months, you may apply for such insurance, as you will be eligible for the public pre-existing conditions health plan. However, you will have to pay a premium every month along with co-payments. In case you can’t afford these premiums, you may apply for a Medicaid.

Remember

  • There are three types of government plans on offer.
  • Each plan gives you access to a limited number of providers listed in its network. Thus, you won’t be allowed to get treated by your preferred doctor if he/she isn’t in the network of your chosen plan.
  • Your deductibles, premiums, and co-pays will differ based on the plan you choose.
  • All plans pay for your preventive care completely.
  • These plans are temporary and costs vary according to the State where you reside.

Private Pre-Existing Conditions Health Plans

There are many genuine and fraud companies that offer these plans and the costs, level of coverage, and quality vary from one plan to the other. There are limited indemnity plans that have certain limitations of amount as well as coverage. Here, you tend to pay more to get more coverage.
Depending on the genuineness of the limited indemnity plans, your medical cards can offer you discounts on prescription drugs and health care services from certain providers and for certain treatments, which is quite similar to pre-existing insurance plans issued by the government.
Benefits

The major benefits of pre-existing condition insurance plans are:

  • They are very cost-effective.
  • They are guaranteed issue plans, which mean that you will not be refused coverage.

Conclusion

Whatever plan you choose, it is very important for you to check them for their quotes, limits, and other factors to ensure savings.

 

Requirements for Guaranteed Health Insurance

Requirements for Guaranteed Health Insurance

With thousands of people looking for financial support to pay their medical bills, a prudent solution is offered by the guaranteed health insurance plans. As the name implies, such insurance, unlike the limited indemnity plans, offer insurance to almost all people who apply. 
There may be times when you apply for medical expense reimbursement under a guaranteed health insurance plan, only to be refused. You may not be aware that you have to file a proper claim for your expenses to be compensated. The majority of insurance plans require you to submit all the supporting documents, out of which you might have missed one or two, thus ending up having a claim that’s refused. This is why you should know about the requirements of guaranteed health insurance plans to benefit from them.

Requirements for filing a successful claim

There are usually no restrictions or requirements based on which your claim would be refused. However, you should pay the monthly premiums on time along with any other additional fees that may be applicable for your policy, and file your claims the right way. Thus, the minimum requirements of filing a successful claim include:

  • Prompt payments of premiums and other payments, if any.
  • Filing your claims along with all the supporting documents.
  • Ensuring that your State or federal law permits such plans.
  • Staying in the same State where you have bought the guaranteed health insurance plan.

Benefits of guaranteed health insurance

Some of the benefits of such plans are listed below:

  • You are not refused reimbursement of your medical expenses even when they are quite high.
  • You are covered for all outpatient, operation, and hospital expenses.
  • Discounts on offer can reduce your medical care costs by up to 50%.
  • You get discounts on your prescription drugs.
  • Maximum payments are disbursed to cover lifetime occurrences of health issues.

Choosing the right plan

To select the right guaranteed health insurance plan, you should consider these factors to compare and decide:

  • lifetime per-occurrence maximum
  • deductible amount
  • benefit period
  • specific limits
  • other medical card requirements, if any

You can take your search online to get instant quotes from multiple insurance companies to compare these factors and select the plan that best suits your needs and budget.