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Health Insurance Rejection

Health Insurance Rejection

Have you been rejected for health insurance?

No matter how polite a rejction is, rejections are discouraging. Some people are less surprised about their rejection, having had previous pre-exisitng conditions, past diagnoses or taking ongoing medications.

The most common reasons for rejections are pain medications, diabetes or past surgeries. But there are endless reasons.

For other people, rejection can come as a total shock. Although you may be a reasonably healthy person, there are some situations that may seem to be not that serious that are flagged by insurance companies as high risks. Remember, insurance companies want to choose members that will generally have a low risk of developing serious illnesses. This way, they can hedge against large medical bills in the future. It may seem unfair but think about it. If a company knows that you are likely to produce a high-cost disease later in life, like diabetes, arthritis or a heart attack, it is not worth it to them.

 As calculated as it may sound, they see humans as investments. Entire arithmetic and logarithmic formulas are created to calculate exactly which medical conditions, lifestyles and demographics are likely to remain healthy. These individuals will generally have lower premiums.

Companies will reject or deny anyone whose return in profit (i.e. the monthly premium you pay the insurance company to access your health care benefits) is less than the investment (i.e. the likely amount they will have to pay in future medical bills).

The acceptance or rejection process is known as underwriting. Although all insurance companies have slightly different criteria for health insurance rejection or acceptance, all companies have the  right to pull your medical history, contact doctor’s offices, and even demand a physical exam. Sometimes, the process can seem very invasive, and it may very well be the case, but these companies along with their team of statisticians attempt to ascertain the likelihood of you or your family member’s filing a claim.

What is even more frustrating is that even relatively minor health conditions, like seasonal allergies or asthma, will be scrutinized. Other types of behavior may also be examined. For instance, our specialists have seen clients rejected from major medical insurance for such reasons as failing to follow up on a physical, driving or owning a motorcycle, or other life style decisions.

Why did I get denied health insurance coverage?

Insurance is an industry based on risk. People who purchase insurance of any kind do so to protect themselves from the perceived or real possibility of future financial loss. A sudden heart attack, development of a chronic disease such as arthritis or diabetes, or the need for a surgery such as back surgery or a hip replacement, are all perceived as a financial loss in the future. In reality, all health insurance companies will assume that you will at some point incur financial loss as most people need to see the doctor at some point. We all catch a cold at some point! You should see it as paying up front for future medical bills. It can be seen as a lay-away payment plan for your health.

We speak  to many individuals who choose to live without insurance because they feel that they are healthy enough to go without it. We caution greatly against this. It is true that at times it may seem that you are paying premiums to insurance companies for no reason. However, in the relationship between the insurer and the health insurance company, one of you will always lose. While most insurance companies will be able to absorb the loss of a $80,000 heart attack, most cost conscious consumers will not be able to survive such a blow.

Countless are the stories of uninsured individuals who suddenly suffer a heart attack are rushed to the emergency room for a surprise surgery. Such a tragedy never ends well. The uninsured can be left with huge medical bills that could have been avoided or severely reduced with the proper health coverage. In a worst case scenario, individuals lose their homes and some have had to file for bankruptcy. These are avoidable tragedies. We offer guaranteed health insurance for those who have been rejected from major medical companies. Remember, once you have been rejected, the underwriting process insures that you will be auto-rejected from any future application. We, at Health Insurance Guaranteed, can help you find a policy to avoid these huge bills and keep you and your family healthy.

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.

 

Health Insurance Rejection

Health Insurance Rejection

Have you been rejected for health insurance?

No matter how polite a rejction is, rejections are discouraging. Some people are less surprised about their rejection, having had previous pre-exisitng conditions, past diagnoses or taking ongoing medications.

The most common reasons for rejections are pain medications, diabetes or past surgeries. But there are endless reasons.

For other people, rejection can come as a total shock. Although you may be a reasonably healthy person, there are some situations that may seem to be not that serious that are flagged by insurance companies as high risks. Remember, insurance companies want to choose members that will generally have a low risk of developing serious illnesses. This way, they can hedge against large medical bills in the future. It may seem unfair but think about it. If a company knows that you are likely to produce a high-cost disease later in life, like diabetes, arthritis or a heart attack, it is not worth it to them.

 As calculated as it may sound, they see humans as investments. Entire arithmetic and logarithmic formulas are created to calculate exactly which medical conditions, lifestyles and demographics are likely to remain healthy. These individuals will generally have lower premiums.

Companies will reject or deny anyone whose return in profit (i.e. the monthly premium you pay the insurance company to access your health care benefits) is less than the investment (i.e. the likely amount they will have to pay in future medical bills).

The acceptance or rejection process is known as underwriting. Although all insurance companies have slightly different criteria for health insurance rejection or acceptance, all companies have the  right to pull your medical history, contact doctor’s offices, and even demand a physical exam. Sometimes, the process can seem very invasive, and it may very well be the case, but these companies along with their team of statisticians attempt to ascertain the likelihood of you or your family member’s filing a claim.

What is even more frustrating is that even relatively minor health conditions, like seasonal allergies or asthma, will be scrutinized. Other types of behavior may also be examined. For instance, our specialists have seen clients rejected from major medical insurance for such reasons as failing to follow up on a physical, driving or owning a motorcycle, or other life style decisions.

Why did I get denied health insurance coverage?

Insurance is an industry based on risk. People who purchase insurance of any kind do so to protect themselves from the perceived or real possibility of future financial loss. A sudden heart attack, development of a chronic disease such as arthritis or diabetes, or the need for a surgery such as back surgery or a hip replacement, are all perceived as a financial loss in the future. In reality, all health insurance companies will assume that you will at some point incur financial loss as most people need to see the doctor at some point. We all catch a cold at some point! You should see it as paying up front for future medical bills. It can be seen as a lay-away payment plan for your health.

We speak  to many individuals who choose to live without insurance because they feel that they are healthy enough to go without it. We caution greatly against this. It is true that at times it may seem that you are paying premiums to insurance companies for no reason. However, in the relationship between the insurer and the health insurance company, one of you will always lose. While most insurance companies will be able to absorb the loss of a $80,000 heart attack, most cost conscious consumers will not be able to survive such a blow.

Countless are the stories of uninsured individuals who suddenly suffer a heart attack are rushed to the emergency room for a surprise surgery. Such a tragedy never ends well. The uninsured can be left with huge medical bills that could have been avoided or severely reduced with the proper health coverage. In a worst case scenario, individuals lose their homes and some have had to file for bankruptcy. These are avoidable tragedies. We offer guaranteed health insurance for those who have been rejected from major medical companies. Remember, once you have been rejected, the underwriting process insures that you will be auto-rejected from any future application. We, at Health Insurance Guaranteed, can help you find a policy to avoid these huge bills and keep you and your family healthy.

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.