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Avoiding risks when buying guaranteed health insurance plans

Avoiding risks when buying guaranteed health insurance plans

Common risks

When dealing with guaranteed issue health plans, people often tend to buy the first one that comes their way. While this may be good in some cases, finding creditable coverage is something that most find difficult. This is largely due to the presence of large numbers of fraudulent companies doing business by providing scam policies. Large discounts are the first method used by these companies to lure people into buying their insurance. While the reduced initial payment may be attractive, it is best understood that these companies will never deliver when it comes to making actual claim payment.
Similarly, it's important to understand that most of these discount policies do not cover those with pre existing conditions. The presence of pre existing conditions is often the bane of many people wanting insurance. These companies take undue advantage of these needs and urgencies, only to exploit such people and not pay up at the time of their actual need.

Avoiding these risks with guaranteed plans

Guaranteed health insurance plans should ideally be purchased from reputed insurance firms or agents. This is absolutely essential to ensure that you are not victim to any fraud. Most companies that are regulated by federal and state laws will offer genuine health plans that make it easy for you to purchase them. Similarly, these creditable companies ensure that the contractual agreements entered into between the company and medical establishments are actually honored.
Additionally, these plans offer discounts on a variety of things including, visits to doctors, prescription drugs, and other medical care expenses.  But note that people with pre existing conditions may have some monetary limit imposed on the extent of their coverage. This may or may not be accompanied by a waiting period. Creditable coverage plans also offer coverage for senior citizens.
So, if you are looking for guaranteed issue health plans, ensure creditable coverage by understanding and avoiding the above risks.

 

Avoiding risks when buying guaranteed health insurance plans

Avoiding risks when buying guaranteed health insurance plans

Common risks

When dealing with guaranteed issue health plans, people often tend to buy the first one that comes their way. While this may be good in some cases, finding creditable coverage is something that most find difficult. This is largely due to the presence of large numbers of fraudulent companies doing business by providing scam policies. Large discounts are the first method used by these companies to lure people into buying their insurance. While the reduced initial payment may be attractive, it is best understood that these companies will never deliver when it comes to making actual claim payment.
Similarly, it's important to understand that most of these discount policies do not cover those with pre existing conditions. The presence of pre existing conditions is often the bane of many people wanting insurance. These companies take undue advantage of these needs and urgencies, only to exploit such people and not pay up at the time of their actual need.

Avoiding these risks with guaranteed plans

Guaranteed health insurance plans should ideally be purchased from reputed insurance firms or agents. This is absolutely essential to ensure that you are not victim to any fraud. Most companies that are regulated by federal and state laws will offer genuine health plans that make it easy for you to purchase them. Similarly, these creditable companies ensure that the contractual agreements entered into between the company and medical establishments are actually honored.
Additionally, these plans offer discounts on a variety of things including, visits to doctors, prescription drugs, and other medical care expenses.  But note that people with pre existing conditions may have some monetary limit imposed on the extent of their coverage. This may or may not be accompanied by a waiting period. Creditable coverage plans also offer coverage for senior citizens.
So, if you are looking for guaranteed issue health plans, ensure creditable coverage by understanding and avoiding the above risks.

 

Guaranteed Health Insurance scams exposed

Guaranteed Health Insurance scams exposed

In the realm of health insurance, several scams are being heard of, some of which go unreported while some others get exposed. One of the major scams being reported in various newspaper and television reports is that of health insurance discount cards, the most sought after and popular way of getting health insurance today. With guaranteed health insurance becoming really essential today, it is important to understand and differentiate between a scam and the real offer.

Problems faced when scam plans are bought

Health discount cards are often issued by disreputable insurance companies that seek a onetime payment, which is often high. These are usually issued to people who can't afford regular health insurance coverage either due to their low income or due to certain pre-existing health conditions. However, the major problem with these discount cards is that the company is never available when you need them to pay your claim. Alternatively, where they do exist, there is often some small print factor that allows them to get away without making the payment.

Steps to avoid scams

The key to avoiding such scams and ensuring that you get the real deal in terms of guaranteed health insurance is to primarily discuss your options with a reputable agent who is certified and capable of leading you to the right options.
Secondly, it is important not to go for brochures that are glossy and attractive, promising a great deal. Often it is seen that brochures or companies that promise the moon actually don't really hold true on their promises. Checking such proposals with your trusted agent before committing to them is another good way of avoiding scams.  While there are some companies that actually give you a list of doctors and medical establishments that offer you medical treatment at a lower price, it's not necessarily true that these establishments and doctors will always honor their agreements with such companies.
Identifying the real gem amongst individual health insurance for all is quite difficult but not impossible. The key here is to ensure that the company in question is reputable and has a good clientele base. Asking your friends and other family members who have already been insured with some insurance company will also help avoid such scams. Similarly, reputed companies always go for reputed doctors and medical establishments who offer you services at lower rates due to re-pricing. These are also companies who pay you for your expenses directly and ensure that you do not have to suffer for any reason.
So, if you are looking for individual health insurance for you and your family members, make sure you utilize these tips to avoid scams and get the real deal.

 

Avoiding risks when buying guaranteed health insurance plans

Avoiding risks when buying guaranteed health insurance plans

Common risks

When dealing with guaranteed issue health plans, people often tend to buy the first one that comes their way. While this may be good in some cases, finding creditable coverage is something that most find difficult. This is largely due to the presence of large numbers of fraudulent companies doing business by providing scam policies. Large discounts are the first method used by these companies to lure people into buying their insurance. While the reduced initial payment may be attractive, it is best understood that these companies will never deliver when it comes to making actual claim payment.
Similarly, it's important to understand that most of these discount policies do not cover those with pre existing conditions. The presence of pre existing conditions is often the bane of many people wanting insurance. These companies take undue advantage of these needs and urgencies, only to exploit such people and not pay up at the time of their actual need.

Avoiding these risks with guaranteed plans

Guaranteed health insurance plans should ideally be purchased from reputed insurance firms or agents. This is absolutely essential to ensure that you are not victim to any fraud. Most companies that are regulated by federal and state laws will offer genuine health plans that make it easy for you to purchase them. Similarly, these creditable companies ensure that the contractual agreements entered into between the company and medical establishments are actually honored.
Additionally, these plans offer discounts on a variety of things including, visits to doctors, prescription drugs, and other medical care expenses.  But note that people with pre existing conditions may have some monetary limit imposed on the extent of their coverage. This may or may not be accompanied by a waiting period. Creditable coverage plans also offer coverage for senior citizens.
So, if you are looking for guaranteed issue health plans, ensure creditable coverage by understanding and avoiding the above risks.

 

Avoiding risks when buying guaranteed health insurance plans

Avoiding risks when buying guaranteed health insurance plans

Common risks

When dealing with guaranteed issue health plans, people often tend to buy the first one that comes their way. While this may be good in some cases, finding creditable coverage is something that most find difficult. This is largely due to the presence of large numbers of fraudulent companies doing business by providing scam policies. Large discounts are the first method used by these companies to lure people into buying their insurance. While the reduced initial payment may be attractive, it is best understood that these companies will never deliver when it comes to making actual claim payment.
Similarly, it's important to understand that most of these discount policies do not cover those with pre existing conditions. The presence of pre existing conditions is often the bane of many people wanting insurance. These companies take undue advantage of these needs and urgencies, only to exploit such people and not pay up at the time of their actual need.

Avoiding these risks with guaranteed plans

Guaranteed health insurance plans should ideally be purchased from reputed insurance firms or agents. This is absolutely essential to ensure that you are not victim to any fraud. Most companies that are regulated by federal and state laws will offer genuine health plans that make it easy for you to purchase them. Similarly, these creditable companies ensure that the contractual agreements entered into between the company and medical establishments are actually honored.
Additionally, these plans offer discounts on a variety of things including, visits to doctors, prescription drugs, and other medical care expenses.  But note that people with pre existing conditions may have some monetary limit imposed on the extent of their coverage. This may or may not be accompanied by a waiting period. Creditable coverage plans also offer coverage for senior citizens.
So, if you are looking for guaranteed issue health plans, ensure creditable coverage by understanding and avoiding the above risks.

 

Guaranteed Health Insurance scams exposed

Guaranteed Health Insurance scams exposed

In the realm of health insurance, several scams are being heard of, some of which go unreported while some others get exposed. One of the major scams being reported in various newspaper and television reports is that of health insurance discount cards, the most sought after and popular way of getting health insurance today. With guaranteed health insurance becoming really essential today, it is important to understand and differentiate between a scam and the real offer.

Problems faced when scam plans are bought

Health discount cards are often issued by disreputable insurance companies that seek a onetime payment, which is often high. These are usually issued to people who can't afford regular health insurance coverage either due to their low income or due to certain pre-existing health conditions. However, the major problem with these discount cards is that the company is never available when you need them to pay your claim. Alternatively, where they do exist, there is often some small print factor that allows them to get away without making the payment.

Steps to avoid scams

The key to avoiding such scams and ensuring that you get the real deal in terms of guaranteed health insurance is to primarily discuss your options with a reputable agent who is certified and capable of leading you to the right options.
Secondly, it is important not to go for brochures that are glossy and attractive, promising a great deal. Often it is seen that brochures or companies that promise the moon actually don't really hold true on their promises. Checking such proposals with your trusted agent before committing to them is another good way of avoiding scams.  While there are some companies that actually give you a list of doctors and medical establishments that offer you medical treatment at a lower price, it's not necessarily true that these establishments and doctors will always honor their agreements with such companies.
Identifying the real gem amongst individual health insurance for all is quite difficult but not impossible. The key here is to ensure that the company in question is reputable and has a good clientele base. Asking your friends and other family members who have already been insured with some insurance company will also help avoid such scams. Similarly, reputed companies always go for reputed doctors and medical establishments who offer you services at lower rates due to re-pricing. These are also companies who pay you for your expenses directly and ensure that you do not have to suffer for any reason.
So, if you are looking for individual health insurance for you and your family members, make sure you utilize these tips to avoid scams and get the real deal.