• Major Medical
  • Guaranteed Issue ..
  • Affordable Altern..

Major Medical

Major Medical Providers

Trying to find adequate health insurance can be a daunting task.
With the current health insurance crisis, the last thing you need is the added frustration of deciphering which co-insurance, deductible, premium combination is the best for you.

If you are looking for supplemental insurance for an existing plan, trying to find individual insurance from a private provider or are currently coming off of an employer sponsored plan, or are eligible for Medicare, we can help you.

Choosing a Consultant

The insurance industry is set up where you can buy health insurance directly from the company or through an agent that will facilitate your search process. Premiums remain the same no matter which avenue you choose. Choosing an agent or a health insurance consultant can help you reduce the anxiety involved in choosing a health insurance plan. A health insurance consultant is usually contracted through many different major and minor insurance companies and thus can offer you more variety and more assistance than purchasing a plan on your own.
If you are looking for an insurance plan from a major medical company, one of your best choices will be Americas Health Care Consultants. This company consists of licensed health care professionals, experts in the insurance industry across all 50 states. This means that the licensed agent designated to your state will be an expert in all major medical, Medicare and supplemental insurance plans in your state. They will recommend only those companies with A ratings or better and will be able to compare all possibilities and recommend a plan and company that best suits your needs.
Americas Health Care Consultants are also sensitive to your price bracket. They understand that it is not only finding the best coverage for you that is important but finding the best coverage for the best price.

Fill in the quote engine on the top of the page and an agent from Americas Health Care Consultants will contact you promptly.

Specialized Care

If you like working with smaller companies where you get to speak to the same agent every time you call instead of being transferred multiple times to anonymous people, you will want to go with a company like Americas Health Care Consultants for major medical, Health Insurance Guaranteed for supplemental and critical or The Medicare People for Medicare.

These companies are customer service experts. If they ever see your premiums increase or if they ever see that a better health care option has become available in your state, they will call you and let you know. Their relationship does not end with the sale. That is only the beginning.

Varied Plans

The plans available to you vary as much as people themselves. Many of the guaranteed issue health insurance plans available to you give you the option of choosing the amount of coverage you want. This means you get to choose your own premium. Assurant Health insurance is now creating a new product with one of the best guaranteed issue health plans called Health Option One. This will be an a-la-carte health insurance plan where you get to choose the amount of coverage you want.

 

Guaranteed Issue Health Insurance

Guaranteed Issue Health Insurance

Thousands of individuals all across the US are rejected coverage by insurance companies every day due to their pre-existing medical conditions such as obesity, diabetes, cancer, STDs and heart problems. With rising medical care costs, getting treated for their condition becomes an uphill task for such people. If you have been deemed uninsurable by traditional medical insurance companies, you now have a solution in guaranteed health insurance plans.

Offer Affordable And Comprehensive Health Insurance Issue Plans

Gone are those days when you had to pay steep premiums for your discount cards, or get rejected by major insurance companies. With our guaranteed health insurance plans, where an individual can get coverage for as low as $170, and buy comprehensive plans for the entire family at around $840, you can now breathe easy and live life to the fullest despite your pre-existing medical condition. You may even get some plans at much lower costs, which are genuine health insurance plans and not scams like discount cards.
Under guaranteed health insurance plans, you can now obtain insurance coverage with no health questions asked, no medical exams required, and perhaps with no waiting period if you are eligible. However, insurance for pre existing conditions may have a waiting period, which could be 12 or 24 months, before coverage starts.

With guaranteed health insurance plans, you can get coverage for:

  • Prescriptions
  • Doctor visits
  • Surgery
  • Hospital confinement
  • Blood tests
  • Emergency room stay
  • Check-ups
  • X-rays, and
  • Much more

Who can get coverage under such plans?

Even when you are enrolled in a policy health insurance, you can get enrolled in our plans and get insurance coverage at much lower premiums each month, or get an increased coverage limit. Irrespective of your income, age or pre existing conditions, you can get affordable insurance policies from us that fit your specific needs and budget.

Beware of scams

There are many insurance companies in the market that offer plans, which are nothing more than marketing gimmicks and require you to pay out-of-pocket expenses. Several insurance products are also on offer these days, but not all of them provide reliable guaranteed health plans. So, you should check what you get before signing for any of these health insurance plans. It’s also advisable to steer clear of discount cards and not mistake them for actual insurance. Remember - faulty guaranteed health insurance plans have left many consumers with medical debt and unpaid claims that are worth millions of dollars.
So, consult our friendly, certified, experienced and caring insurance agents to select the best guaranteed health insurance plan tailor made to benefit you the most.

 

Affordable Alternatives to Traditional Insurance

            During this economic crisis, many Americans have turned to self-employed alternatives. No longer are the days where companies are handing out rich benefit packages. Even those with the means to pay for health insurance have found that the premiums they are being offered for individual major medical insurance are outrageous and that it is often more affordable to pay for health needs out of pocket than to have to balance high premiums and exorbitant deductibles. Many have found that major medical health insurance is merely not meeting their needs.
            National statistics suggest that over 45 million Americans are currently without health insurance. Most report that the reason is price compared to perceived need. They see the reality of the rising premiums, cost of deductibles and rising co-pays and the decreasing quality of coverage as a reason to play the Russian roulette of medicine. Going without health insurance completely can cost Americans much more than they are bargaining for.  The average emergency can cause an American anywhere from $10,000 to $15,000 out-of-pocket. Americans are caught between a rock and a hard place when it comes to health insurance, between choosing high premiums and risking their entire savings.

            Today, health care experts are working hard to find alternatives to expensive health insurance.  There exist many alternatives including:

  • Medical Indemnity Plans
  • Catastrophic Health Insurance
  • Short-Term Medical Insurance
  • Health Savings Plans
  • Discount Cards
  • Prescription Drug Plans

Medical Indemnity Plans

When starting to search for a medical insurance that will suit your needs, it’s easy to become overwhelmed by the many choices. Medical Indemnity plans also called fee-for-service or guaranteed issue health insurance plans are likely to be a good choice for those with chronic or pre-existing conditions. They are the most common of all the health insurance plans because of the flexibility they offer the client. Indemnity plans or guaranteed issue plans allow the client to choose a physician or doctor of their choice; consumers do not feel locked into a small network of doctors. Insurers can choose to be seen at the physician of their choosing and whenever they choose, with no need for referrals. Insurance companies pay practitioners for medical services rendered or in some cases will pay the insurer directly if he or she chooses. Insurers simply have to present their insurance card and doctor’s billing offices will do the paperwork.
Although flexibility in coverage is often the highlight of medical indemnity plans, often this premier health insurance option can be expensive for those with pre-existing conditions. Health Insurance Guaranteed prides itself in doing the utmost to find these optimal health insurance plans at an affordable price. We have located as many as five or six companies willing to accept those with previous health records for discounted premiums. The allotted space can fill up quickly though, so we urge clients not to wait to sign up for this desirable coverage.
Medical indemnity or fee-for-service plans have benefits for doctors’ visits, hospitalization, diagnostic tests and labs as well as other added value benefits such as prescription, dental or vision. Insurers can get benefits for wellness visits, checkups and associated testing.

  • Doctors office visits receive an indemnity of anywhere from $100-$150 per doctor visit. These benefits are payable for all visits which are medically necessary due to a covered injury or sickness. This means that if your doctor’s visits cost $150 per visit, and let’s say the PPO network re-prices it down to $75, the insurance plan will then pay the cash benefit $100-$150 leaving you with no out of pocket expense! These are the benefits that you receive when choosing a medical indemnity guaranteed issue PPO plan.
  • Diagnostic testing, labs, blood work and x-rays work much the same way. These types of testing can include anything from wellness related testing such as colonoscopies, mammograms, pap smears to illness related testing such as bone density, cancer screening, sugar level testing and cholesterol testing. Some plans include benefits for MRIs, CAT scans and other more invasive x-rays.
  • Prescription insurance and prescription discounts are the hardest for people to find for those with pre-existing conditions. Often these types of benefits can differ depending on whether the insured needs injectable, generics, brand name or non-preferred generic medications. We offer a vast array of options to reduce prescription costs even if the medications are necessary for pre existing reasons. For those with very high-cost drugs or low income situations, we offer plans that work directly with the pharmaceutical companies themselves. We have helped thousands of Americans receive their high cost brand name drugs or injectables for low co-pays and often times are able to get free supplies for months and sometimes years at a time.
  • Dental and Vision benefits including many additional added value benefits such as consult-a-doc, a free service that affords clients access to a licensed physican 24/7, capable of writing prescriptions and even diagnosing illness over the phone. The dental and vision benefits vary depending on the policy you choose and can include free cleanings, free x-rays and even a free eye exam. Additionally, ask about our guaranteed issue dental and vision plans. These plans provide indemnities for serious dental and vision conditions even when the medical condition is pre-exisitng. Compare to standard dental insurance plans that have waiting periods of six months to a year for services. It can be used as root canal insurance, dental crown insurance, dentures insurance and even tooth extraction insurance.

Many of our medical indemnity plans also include additional catastrophic coverage like Accidental Death and Dismemberment, Accidental Medical Expense, Term Life Insurance and Ambulance or Emergency Room visits.

  • Accidental Death and Dismemberment is a type of life insurance that pays out to one or several beneficiaries in the event that the insured passes by way of an accident or is permanently dismembered. Many of our medical indemnity plans pay anywhere from $10,000 to $150,000 in lump sum pay outs. These are a great way of getting guaranteed issue life insurance benefits without having to undergo underwriting. These are sometimes also called guaranteed issue life insurance policies.
  • Accidental Medical Expense is an additional indemnity benefit that comes with many of these fee-for-service plans. Most of the benefits on these plans are stackable, meaning that they can be used in combination. For instance, surgery that includes hospitalization will pay out both surgery indemnities as well as benefits for hospitalization according to the benefits of the plan chosen. Accidental Medical Expense is an optimal way of ensuring that you or your loved one is insured in the event of a catastrophic accident. These benefits pay in addition to the regular benefits in the event of an accident. They can be used any way the insurer desires and ensures that any additional costs of an accident including loss of wages, property damage or additional medical attention is paid for in addition to the standard benefits paid of doctors’ visits, hospitalization or surgery.

Term Life Insurance is a classic type of life insurance lasting anywhere between ten, fifteen or twenty years. They are often included with medical indemnity plans paying out anywhere from $10,000 to $100,000 to one or more beneficiaries. Generally speaking, these are the most sought after life insurance policies and ten to be exorbitantly priced. For those with a previous medical history or pre-existing conditions, these plans can be impossible to be accepted to. Purchasing the medical indemnity plan with a guaranteed issue policy automatically makes members eligible for this additional term life insurance

Catastrophic Health Insurance

Guaranteed Issue catastrophic insurance can be a good alternative for those who cannot afford traditional health insurance and feel that they only want insurance in the event of an emergency. Catastrophic health insurance is generally meant for those that do not want every day coverage like doctor’s visits or wellness visits or for those who can pay out of pocket for these kinds of services. Instead, catastrophic medical coverage will pay for larger scale incidents like accidents or critical illness such as strokes, end stage renal disorder, invasive cancer or congestive heart failure.
Catastrophic coverage pays benefits for these more expensive incidents and can sometimes include accidental death and dismemberment (link), term life insurance (link) or excess medical coverage (link). Our company has researched companies that do accept those with pre-existing medical conditions onto their catastrophic plans. That means that even if you have been previously diagnosed with cancer, suffered a stroke or heart attack, you can still be accepted onto a plan that will cover you in case of another emergency.
As mentioned, these plans are cheaper than complete coverage including doctor visits, ranging from $79 to $125 per month. If you are young, relatively healthy or only take medications that keep your medical condition at bay, you may be a good candidate for this catastrophic coverage. Catastrophic insurance can provide valuable coverage in a time of need including:

  • Reducing your out-of-pocket costs in the event of an emergency
  • Ensures lower monthly premiums
  • Pays out lump sums to beneficiaries in case of death

Catastrophic coverge is right for you if:

  • You rarely see the doctor
  • You have no pre-exisitng health conditions
  • You have pre-exisitng health conditions that require no regular treatment
  • You only want coverage in case of an emergency
  • You need short term coverage
  • You cannot afford complete medical coverage

Short-Term Medical Insurance

Short term medical insurance, also known as temporary health insurance, is a good alternative for healthy individuals and also for those with mild pre-existing conditions. They can provide a great safety net for those in transition between life stages, either between jobs, undergoing a divorce, graduating college or a myriad of different lifestyle changes.
Just as the name suggests, these plans are a temporary solution to an insurance gap. However, others may also find this to be a good solution. Those with mild pre-exisitng conditions can more easily get accepted to a short-term medical plan than a long-term major medical. The plan still retains the pay structure of a traditional major medical paying percentages (80/20, 70/30) with deductibles (ranging from $250 to $10,000) but are easier to get accepted to for those with a previous medical condition. Additionally, those with limited income will find that these are less expensive that major medical. This can be a good and cheap alternative to major medical insurance. Young people will find these prices particularly competitive.
Short term-medical insurance is a good option for:

  • Individuals who are temporarily out of work
  • New Employees
  • Recent college graduates
  • People waiting to fill the gap between medicare
  • Those waiting to qualify for a major medical insurance

Short-term medical insurance or temporary insurance gives you the freedom to choose your doctor.

Health Savings Plans

Health savings plans are a very affordable hybrid between discount insurance and HMOs. These types of plans are the most cost affordable option for clients with pre-existing conditions in states that do not offer traditional guaranteed issue health insurance.
Health Savings Plans are a great idea for:

  • Residents of NY, NJ, CT, VT, NH and other states where traditional guaranteed issue health insurance is not available.
  • Those on a low income but needing coverage for pre-existing conditions, regular doctors’ visits or high-priced surgeries.
  • Those on a large amount of maintenance medications and diabetic insulins who need affordable coverage.
  • Those with a large family. A health savings plan may run a family of five under $200 in the state of NY! Talk about affordable!

Discount Plans

Discount Plans are by far the cheapest way to lower your doctor visits, lab, prescription and sometimes even surgery costs. What's amazing is that it can be as low as $30 for health coverage!
While these plans should not be confused with full fledged health insurance as they are not insurance, they can still be a huge help to reduce costs in the following areas:

  • Physicians visits
  • Lab Services
  • Weight loss surgery
  • Medical Loans
  • LASIK corrective eye surgery
  • Hearing Care
  • Diabetic & Medical Supplies
  • Chiropractic Visits & Alternative Health Care
  • Dental Care
  • Vision

Prescription Drug Plans

The outrageous price gouging in our current health care system is no news to most Americans today. It seems to have hit most of us right where it hurts the most--our wallets. The high cost of medications is one of the most unnerving for Americans who worry about affording their maintenance medications. For a diabetic for instance, going without insulin for even a day is not an option. Inflated prices, however, are also not an option. Although the prescription price crisis may be only the tip of iceberg--its also the most visible and easiest to attack.

While congress debates legislation, Americans are making there opinions clear by running across the border to buy prescription drugs. The consequence, though, has been disastrous. Ordering your prescriptions from oversees can mean you have no idea what you are really getting. There have been countless injuries and even deaths from such experiments. There are other options.

What can you do about reducing prescription drug costs?

You no longer have to feel a victim to these companies. You no longer need to feel like you are alone. There are advocates for you that are willing to help you find the prescriptions you need at a price you can afford. We offer several different prescription drug cards that are affordable and really reduce your expenses. We have found plans that can guarantee expensive injectibles such as Humalog or Lantus for as low as $18 or even sometimes zero-dollar copay.

 

Major Medical

Major Medical Providers

Trying to find adequate health insurance can be a daunting task.
With the current health insurance crisis, the last thing you need is the added frustration of deciphering which co-insurance, deductible, premium combination is the best for you.

If you are looking for supplemental insurance for an existing plan, trying to find individual insurance from a private provider or are currently coming off of an employer sponsored plan, or are eligible for Medicare, we can help you.

Choosing a Consultant

The insurance industry is set up where you can buy health insurance directly from the company or through an agent that will facilitate your search process. Premiums remain the same no matter which avenue you choose. Choosing an agent or a health insurance consultant can help you reduce the anxiety involved in choosing a health insurance plan. A health insurance consultant is usually contracted through many different major and minor insurance companies and thus can offer you more variety and more assistance than purchasing a plan on your own.
If you are looking for an insurance plan from a major medical company, one of your best choices will be Americas Health Care Consultants. This company consists of licensed health care professionals, experts in the insurance industry across all 50 states. This means that the licensed agent designated to your state will be an expert in all major medical, Medicare and supplemental insurance plans in your state. They will recommend only those companies with A ratings or better and will be able to compare all possibilities and recommend a plan and company that best suits your needs.
Americas Health Care Consultants are also sensitive to your price bracket. They understand that it is not only finding the best coverage for you that is important but finding the best coverage for the best price.

Fill in the quote engine on the top of the page and an agent from Americas Health Care Consultants will contact you promptly.

Specialized Care

If you like working with smaller companies where you get to speak to the same agent every time you call instead of being transferred multiple times to anonymous people, you will want to go with a company like Americas Health Care Consultants for major medical, Health Insurance Guaranteed for supplemental and critical or The Medicare People for Medicare.

These companies are customer service experts. If they ever see your premiums increase or if they ever see that a better health care option has become available in your state, they will call you and let you know. Their relationship does not end with the sale. That is only the beginning.

Varied Plans

The plans available to you vary as much as people themselves. Many of the guaranteed issue health insurance plans available to you give you the option of choosing the amount of coverage you want. This means you get to choose your own premium. Assurant Health insurance is now creating a new product with one of the best guaranteed issue health plans called Health Option One. This will be an a-la-carte health insurance plan where you get to choose the amount of coverage you want.

 

Guaranteed Issue Health Insurance

Guaranteed Issue Health Insurance

Thousands of individuals all across the US are rejected coverage by insurance companies every day due to their pre-existing medical conditions such as obesity, diabetes, cancer, STDs and heart problems. With rising medical care costs, getting treated for their condition becomes an uphill task for such people. If you have been deemed uninsurable by traditional medical insurance companies, you now have a solution in guaranteed health insurance plans.

Offer Affordable And Comprehensive Health Insurance Issue Plans

Gone are those days when you had to pay steep premiums for your discount cards, or get rejected by major insurance companies. With our guaranteed health insurance plans, where an individual can get coverage for as low as $170, and buy comprehensive plans for the entire family at around $840, you can now breathe easy and live life to the fullest despite your pre-existing medical condition. You may even get some plans at much lower costs, which are genuine health insurance plans and not scams like discount cards.
Under guaranteed health insurance plans, you can now obtain insurance coverage with no health questions asked, no medical exams required, and perhaps with no waiting period if you are eligible. However, insurance for pre existing conditions may have a waiting period, which could be 12 or 24 months, before coverage starts.

With guaranteed health insurance plans, you can get coverage for:

  • Prescriptions
  • Doctor visits
  • Surgery
  • Hospital confinement
  • Blood tests
  • Emergency room stay
  • Check-ups
  • X-rays, and
  • Much more

Who can get coverage under such plans?

Even when you are enrolled in a policy health insurance, you can get enrolled in our plans and get insurance coverage at much lower premiums each month, or get an increased coverage limit. Irrespective of your income, age or pre existing conditions, you can get affordable insurance policies from us that fit your specific needs and budget.

Beware of scams

There are many insurance companies in the market that offer plans, which are nothing more than marketing gimmicks and require you to pay out-of-pocket expenses. Several insurance products are also on offer these days, but not all of them provide reliable guaranteed health plans. So, you should check what you get before signing for any of these health insurance plans. It’s also advisable to steer clear of discount cards and not mistake them for actual insurance. Remember - faulty guaranteed health insurance plans have left many consumers with medical debt and unpaid claims that are worth millions of dollars.
So, consult our friendly, certified, experienced and caring insurance agents to select the best guaranteed health insurance plan tailor made to benefit you the most.

 

Affordable Alternatives to Traditional Insurance

            During this economic crisis, many Americans have turned to self-employed alternatives. No longer are the days where companies are handing out rich benefit packages. Even those with the means to pay for health insurance have found that the premiums they are being offered for individual major medical insurance are outrageous and that it is often more affordable to pay for health needs out of pocket than to have to balance high premiums and exorbitant deductibles. Many have found that major medical health insurance is merely not meeting their needs.
            National statistics suggest that over 45 million Americans are currently without health insurance. Most report that the reason is price compared to perceived need. They see the reality of the rising premiums, cost of deductibles and rising co-pays and the decreasing quality of coverage as a reason to play the Russian roulette of medicine. Going without health insurance completely can cost Americans much more than they are bargaining for.  The average emergency can cause an American anywhere from $10,000 to $15,000 out-of-pocket. Americans are caught between a rock and a hard place when it comes to health insurance, between choosing high premiums and risking their entire savings.

            Today, health care experts are working hard to find alternatives to expensive health insurance.  There exist many alternatives including:

  • Medical Indemnity Plans
  • Catastrophic Health Insurance
  • Short-Term Medical Insurance
  • Health Savings Plans
  • Discount Cards
  • Prescription Drug Plans

Medical Indemnity Plans

When starting to search for a medical insurance that will suit your needs, it’s easy to become overwhelmed by the many choices. Medical Indemnity plans also called fee-for-service or guaranteed issue health insurance plans are likely to be a good choice for those with chronic or pre-existing conditions. They are the most common of all the health insurance plans because of the flexibility they offer the client. Indemnity plans or guaranteed issue plans allow the client to choose a physician or doctor of their choice; consumers do not feel locked into a small network of doctors. Insurers can choose to be seen at the physician of their choosing and whenever they choose, with no need for referrals. Insurance companies pay practitioners for medical services rendered or in some cases will pay the insurer directly if he or she chooses. Insurers simply have to present their insurance card and doctor’s billing offices will do the paperwork.
Although flexibility in coverage is often the highlight of medical indemnity plans, often this premier health insurance option can be expensive for those with pre-existing conditions. Health Insurance Guaranteed prides itself in doing the utmost to find these optimal health insurance plans at an affordable price. We have located as many as five or six companies willing to accept those with previous health records for discounted premiums. The allotted space can fill up quickly though, so we urge clients not to wait to sign up for this desirable coverage.
Medical indemnity or fee-for-service plans have benefits for doctors’ visits, hospitalization, diagnostic tests and labs as well as other added value benefits such as prescription, dental or vision. Insurers can get benefits for wellness visits, checkups and associated testing.

  • Doctors office visits receive an indemnity of anywhere from $100-$150 per doctor visit. These benefits are payable for all visits which are medically necessary due to a covered injury or sickness. This means that if your doctor’s visits cost $150 per visit, and let’s say the PPO network re-prices it down to $75, the insurance plan will then pay the cash benefit $100-$150 leaving you with no out of pocket expense! These are the benefits that you receive when choosing a medical indemnity guaranteed issue PPO plan.
  • Diagnostic testing, labs, blood work and x-rays work much the same way. These types of testing can include anything from wellness related testing such as colonoscopies, mammograms, pap smears to illness related testing such as bone density, cancer screening, sugar level testing and cholesterol testing. Some plans include benefits for MRIs, CAT scans and other more invasive x-rays.
  • Prescription insurance and prescription discounts are the hardest for people to find for those with pre-existing conditions. Often these types of benefits can differ depending on whether the insured needs injectable, generics, brand name or non-preferred generic medications. We offer a vast array of options to reduce prescription costs even if the medications are necessary for pre existing reasons. For those with very high-cost drugs or low income situations, we offer plans that work directly with the pharmaceutical companies themselves. We have helped thousands of Americans receive their high cost brand name drugs or injectables for low co-pays and often times are able to get free supplies for months and sometimes years at a time.
  • Dental and Vision benefits including many additional added value benefits such as consult-a-doc, a free service that affords clients access to a licensed physican 24/7, capable of writing prescriptions and even diagnosing illness over the phone. The dental and vision benefits vary depending on the policy you choose and can include free cleanings, free x-rays and even a free eye exam. Additionally, ask about our guaranteed issue dental and vision plans. These plans provide indemnities for serious dental and vision conditions even when the medical condition is pre-exisitng. Compare to standard dental insurance plans that have waiting periods of six months to a year for services. It can be used as root canal insurance, dental crown insurance, dentures insurance and even tooth extraction insurance.

Many of our medical indemnity plans also include additional catastrophic coverage like Accidental Death and Dismemberment, Accidental Medical Expense, Term Life Insurance and Ambulance or Emergency Room visits.

  • Accidental Death and Dismemberment is a type of life insurance that pays out to one or several beneficiaries in the event that the insured passes by way of an accident or is permanently dismembered. Many of our medical indemnity plans pay anywhere from $10,000 to $150,000 in lump sum pay outs. These are a great way of getting guaranteed issue life insurance benefits without having to undergo underwriting. These are sometimes also called guaranteed issue life insurance policies.
  • Accidental Medical Expense is an additional indemnity benefit that comes with many of these fee-for-service plans. Most of the benefits on these plans are stackable, meaning that they can be used in combination. For instance, surgery that includes hospitalization will pay out both surgery indemnities as well as benefits for hospitalization according to the benefits of the plan chosen. Accidental Medical Expense is an optimal way of ensuring that you or your loved one is insured in the event of a catastrophic accident. These benefits pay in addition to the regular benefits in the event of an accident. They can be used any way the insurer desires and ensures that any additional costs of an accident including loss of wages, property damage or additional medical attention is paid for in addition to the standard benefits paid of doctors’ visits, hospitalization or surgery.

Term Life Insurance is a classic type of life insurance lasting anywhere between ten, fifteen or twenty years. They are often included with medical indemnity plans paying out anywhere from $10,000 to $100,000 to one or more beneficiaries. Generally speaking, these are the most sought after life insurance policies and ten to be exorbitantly priced. For those with a previous medical history or pre-existing conditions, these plans can be impossible to be accepted to. Purchasing the medical indemnity plan with a guaranteed issue policy automatically makes members eligible for this additional term life insurance

Catastrophic Health Insurance

Guaranteed Issue catastrophic insurance can be a good alternative for those who cannot afford traditional health insurance and feel that they only want insurance in the event of an emergency. Catastrophic health insurance is generally meant for those that do not want every day coverage like doctor’s visits or wellness visits or for those who can pay out of pocket for these kinds of services. Instead, catastrophic medical coverage will pay for larger scale incidents like accidents or critical illness such as strokes, end stage renal disorder, invasive cancer or congestive heart failure.
Catastrophic coverage pays benefits for these more expensive incidents and can sometimes include accidental death and dismemberment (link), term life insurance (link) or excess medical coverage (link). Our company has researched companies that do accept those with pre-existing medical conditions onto their catastrophic plans. That means that even if you have been previously diagnosed with cancer, suffered a stroke or heart attack, you can still be accepted onto a plan that will cover you in case of another emergency.
As mentioned, these plans are cheaper than complete coverage including doctor visits, ranging from $79 to $125 per month. If you are young, relatively healthy or only take medications that keep your medical condition at bay, you may be a good candidate for this catastrophic coverage. Catastrophic insurance can provide valuable coverage in a time of need including:

  • Reducing your out-of-pocket costs in the event of an emergency
  • Ensures lower monthly premiums
  • Pays out lump sums to beneficiaries in case of death

Catastrophic coverge is right for you if:

  • You rarely see the doctor
  • You have no pre-exisitng health conditions
  • You have pre-exisitng health conditions that require no regular treatment
  • You only want coverage in case of an emergency
  • You need short term coverage
  • You cannot afford complete medical coverage

Short-Term Medical Insurance

Short term medical insurance, also known as temporary health insurance, is a good alternative for healthy individuals and also for those with mild pre-existing conditions. They can provide a great safety net for those in transition between life stages, either between jobs, undergoing a divorce, graduating college or a myriad of different lifestyle changes.
Just as the name suggests, these plans are a temporary solution to an insurance gap. However, others may also find this to be a good solution. Those with mild pre-exisitng conditions can more easily get accepted to a short-term medical plan than a long-term major medical. The plan still retains the pay structure of a traditional major medical paying percentages (80/20, 70/30) with deductibles (ranging from $250 to $10,000) but are easier to get accepted to for those with a previous medical condition. Additionally, those with limited income will find that these are less expensive that major medical. This can be a good and cheap alternative to major medical insurance. Young people will find these prices particularly competitive.
Short term-medical insurance is a good option for:

  • Individuals who are temporarily out of work
  • New Employees
  • Recent college graduates
  • People waiting to fill the gap between medicare
  • Those waiting to qualify for a major medical insurance

Short-term medical insurance or temporary insurance gives you the freedom to choose your doctor.

Health Savings Plans

Health savings plans are a very affordable hybrid between discount insurance and HMOs. These types of plans are the most cost affordable option for clients with pre-existing conditions in states that do not offer traditional guaranteed issue health insurance.
Health Savings Plans are a great idea for:

  • Residents of NY, NJ, CT, VT, NH and other states where traditional guaranteed issue health insurance is not available.
  • Those on a low income but needing coverage for pre-existing conditions, regular doctors’ visits or high-priced surgeries.
  • Those on a large amount of maintenance medications and diabetic insulins who need affordable coverage.
  • Those with a large family. A health savings plan may run a family of five under $200 in the state of NY! Talk about affordable!

Discount Plans

Discount Plans are by far the cheapest way to lower your doctor visits, lab, prescription and sometimes even surgery costs. What's amazing is that it can be as low as $30 for health coverage!
While these plans should not be confused with full fledged health insurance as they are not insurance, they can still be a huge help to reduce costs in the following areas:

  • Physicians visits
  • Lab Services
  • Weight loss surgery
  • Medical Loans
  • LASIK corrective eye surgery
  • Hearing Care
  • Diabetic & Medical Supplies
  • Chiropractic Visits & Alternative Health Care
  • Dental Care
  • Vision

Prescription Drug Plans

The outrageous price gouging in our current health care system is no news to most Americans today. It seems to have hit most of us right where it hurts the most--our wallets. The high cost of medications is one of the most unnerving for Americans who worry about affording their maintenance medications. For a diabetic for instance, going without insulin for even a day is not an option. Inflated prices, however, are also not an option. Although the prescription price crisis may be only the tip of iceberg--its also the most visible and easiest to attack.

While congress debates legislation, Americans are making there opinions clear by running across the border to buy prescription drugs. The consequence, though, has been disastrous. Ordering your prescriptions from oversees can mean you have no idea what you are really getting. There have been countless injuries and even deaths from such experiments. There are other options.

What can you do about reducing prescription drug costs?

You no longer have to feel a victim to these companies. You no longer need to feel like you are alone. There are advocates for you that are willing to help you find the prescriptions you need at a price you can afford. We offer several different prescription drug cards that are affordable and really reduce your expenses. We have found plans that can guarantee expensive injectibles such as Humalog or Lantus for as low as $18 or even sometimes zero-dollar copay.