Currently thousands of uninsured, underinsured and uninsurable individuals, just like you, are facing serious health issues. Cancer, stroke, heart disease, heart attack, diabetes, liver disease, AIDS, pregnancy, depression, kidney disease and a host of other health conditions can cause individuals to be declined for health insurance. Looking for uninsurable or pre existing condition healthcare coverage can be a challenge. These individuals have found it almost impossible to find any type of healthcare coverage. Today, even being over-weight is enough reason for some insurance companies to decline your application for healthcare coverage.
Preexisting conditions can sometimes make you uninsurable and will limit your health care choices. However, there are ways to provide you with some type of coverage. By using creative insurance planning, combined with the knowing and understanding of what is available, you can greatly reduce the potential financial strain on you and your family.
Should you find an insurance company that will provide health coverage; you’ll quickly discover that this coverage is not cheap. And… the coverage will probably be limited in scope when compared to the coverage for someone with no known health problems. The bottom line is this, whatever coverage you can get, it’s probably best to take it until something better comes along.
So… what are my options now that I am uninsurable?
Here are a few. Which option you choose to explore is dependent upon your individual situation.
Group Health Insurance
If available, this is by far the best choice for those with chronic health concerns or pre existing conditions. Group health coverage is generally provided by an employer, so usually the employee has little or no choice concerning the features. The principal advantage of group insurance is that coverage is typically available to newly hired employees without any medical questions or concern for a pre existing condition. However, coverage typically ends when the employee's job ends. Basically this is a guaranteed issue health insurance program. Group coverage can sometimes be available, even for the self-employed, if coverage can be obtained through a spouse’s employer.
Professional Organizations
This option is mostly overlooked. Some professional organizations offer to their membership, a group insurance program as a fringe benefit. This type of healthcare coverage could be an important way to stay insured. If you have been deemed high risk, uninsurable or have a pre existing condition, check to see if you have access to a membership organization that might offer health insurance for preexisting conditions or for the uninsurable. You may be required to have a certification or a certain career experience to join. However, other professional associations might accept membership from anyone who is interested in joining. Even if the membership fee is a couple hundred dollars a year, it still might be money well spent.
Private Individual Health Insurance
Individuals who have no employer sponsored or professional organization health options, yet they have extensive health care needs and medical expenses, will find that obtaining coverage from the private market may not be a viable option. If coverage is found, premiums charged are often unaffordable. Moreover, insurers can turn down “high risks” individuals for coverage because of an existing or previous illness. As we stated earlier, if you do find an insurance company that will provide you with health coverage, even if it’s somewhat limited, it would still be best to take that coverage until a better alternative becomes available.
State Risk Pools
For those with serious medical conditions, some states provide access to private individual health insurance for uninsurable or health plans for uninsurable through a high-risk insurance pool. Consumers in these pools have access to comprehensive private coverage plans, but their premiums can be very high, sometimes costing twice as much as those for private healthcare. Some risk pools may be closed to new enrollments or have a long waiting list. High-risk pools offer an important last resort for people, (1) who have been denied medical coverage because they are too sick, (2) who are paying exorbitant fees for private insurance, or (3) who meet other key conditions outlined by that particular state.
Discount Health Cards
Many companies sell discount health cards to consumers seeking affordable healthcare. The cards claim to save subscribers money by offering discounts on physician visits, hospital stays, prescription drugs, dental, vision and chiropractic care. But discount health cards can be confusing, because they are really not insurance. You are still responsible for paying the medical bills yourself. These cards simply offer lower prices on services from the healthcare providers who agree to accept the discount terms. Sometimes, grossly inflated promises are made about the expected savings and benefits. Use caution when purchasing these cards as they can cost you more money than you’ll save.
Guaranteed Issue Health Insurance
This coverage is ideal for those individuals who find they cannot qualify for or afford other healthcare plans. A Guaranteed Issue Health Insurance plan, also known as a “mini-med” plan, provides a considerable amount of coverage. They are usually very affordable and cover most pre existing conditions after 12 months of coverage. Guarantee issue health insurance is not basic health insurance or major medical coverage. What they do is offer limited indemnity coverage, meaning they pay a defined amount for each service and procedure, such as a doctor’s visit, hospital stay, emergency room visit, surgery, accidental death, etc. Usually there are no medical questions or physical exams needed to qualify. You choose your medical provider and the plan pays regardless of any other insurance coverage. These plans are not to be confused with the “discount health cards”.
Want to learn about the best guaranteed issue health insurance plan? All the details are available at: ==>
http://www.UninsurableHealthSolution.com
Wednesday, March 3, 2010
Tuesday, March 2, 2010
Obesity in America – Has It Caused You to Be Uninsurable?
More than half of Americans are either overweight or obese. For many adults and children alike, their waistlines continue to grow while their quality of life and lifespan is declining. Health insurance rates have long been on the upswing. Most analysts blame an increased use of medical services for driving up costs.
So why are we seeing the doctor so much these days?
You know... the answer could be "obesity".
While society attempts to define the causes and search for solutions, look at this truly alarming fact. Childhood obesity has increased tremendously over the past decade.
People who are overweight are at an increased risk for diabetes, heart problems and other chronic diseases. These conditions contribute to greater health care costs. Insurance companies have known that obesity isn’t profitable. So they use strict height and weight tables. When an applicant for health insurance falls out of the normal weight standards, even if otherwise healthy, they may be either denied health insurance coverage or their premiums will be raised.
And compounding to this national problem are the over 40 million individuals who are without medical insurance. Sadly, but the people who need the medical coverage the most are the ones least likely to get it. Regular medical checkups are the most effective means of controlling the factors that lead to overweight, such as poor diet and lack of education regarding health choices. But, since individual health insurance is difficult to obtain for those who are classified as "unhealthy" or “uninsurable” due to their overweight and obese condition, these individuals often don't get this needed help.
Even those who have access to an employer-sponsored health insurance plan and can not be declined coverage based on their weight (group insurance is basically guaranteed issue health insurance), the increased cost of insuring them is still there, borne not only by them but also by their coworkers.
Today, it is important for all of us to lead a healthy lifestyle. If you are overweight or obese, losing weight could improve your overall health and save you a significant amount of money on monthly health insurance premiums.
For additional information visit http://www.UninsurableHealthSolution.com to find an affordable guaranteed acceptance health insurance plan even if you are uninsurable.
So why are we seeing the doctor so much these days?
You know... the answer could be "obesity".
While society attempts to define the causes and search for solutions, look at this truly alarming fact. Childhood obesity has increased tremendously over the past decade.
People who are overweight are at an increased risk for diabetes, heart problems and other chronic diseases. These conditions contribute to greater health care costs. Insurance companies have known that obesity isn’t profitable. So they use strict height and weight tables. When an applicant for health insurance falls out of the normal weight standards, even if otherwise healthy, they may be either denied health insurance coverage or their premiums will be raised.
And compounding to this national problem are the over 40 million individuals who are without medical insurance. Sadly, but the people who need the medical coverage the most are the ones least likely to get it. Regular medical checkups are the most effective means of controlling the factors that lead to overweight, such as poor diet and lack of education regarding health choices. But, since individual health insurance is difficult to obtain for those who are classified as "unhealthy" or “uninsurable” due to their overweight and obese condition, these individuals often don't get this needed help.
Even those who have access to an employer-sponsored health insurance plan and can not be declined coverage based on their weight (group insurance is basically guaranteed issue health insurance), the increased cost of insuring them is still there, borne not only by them but also by their coworkers.
Today, it is important for all of us to lead a healthy lifestyle. If you are overweight or obese, losing weight could improve your overall health and save you a significant amount of money on monthly health insurance premiums.
For additional information visit http://www.UninsurableHealthSolution.com to find an affordable guaranteed acceptance health insurance plan even if you are uninsurable.
Monday, March 1, 2010
Guaranteed Acceptance Health Insurance - Is It Right For You?
Today millions of Americans are unable to afford the rising cost of healthcare. Additionally, millions more cannot qualify for healthcare benefits due to pre existing conditions that make them uninsurable. These issues of affordability and eligibility are major roadblocks facing Americans as they attempt to secure quality healthcare.
One choice that is available to these individuals is Guaranteed Acceptance Health Insurance. Follow along as we discuss some important aspects of this type of health insurance and see if it is right for you.
Q: What is Guaranteed Acceptance Health Insurance?
A: It is medical insurance that is guaranteed issue, meaning no one is turned down for health care coverage. It simply refers to health care coverage that has no medical underwriting. A policy will be issued even if you have pre existing conditions. There are no medical questions, no height/weight requirements and no physical exams needed to qualify. You choose your medical provider and the plan pays regardless of any other insurance coverage.
Q: Who needs this type of health care coverage?
A: It is ideal for those individuals who find they cannot qualify for or afford other health care plans. Those diagnosed with a preexisting condition such as heart disease, heart attack, diabetes, cancer, stroke, liver disease, AIDS, pregnancy, depression and kidney disease will most certainly find this a good choice. However, if you are healthy, it’s probably best to buy a traditional health policy.
Q: What does this insurance cover?
A: Known as a “mini-med” plan, these plans provide a considerable amount of healthcare coverage. They are affordable and cover most pre existing conditions after 12 months. These plans are not basic medical insurance or major medical coverage but offer what is known as “limited benefit health insurance”. Simply put, the plan pays a defined amount for a medical service or procedure. Usually covered are doctor visits, emergency room visits, hospital charges, surgery, accidental death, etc.
Q: How much does it cost?
A: These plans offer a wide range of premiums depending upon the type of plan selected and if the coverage will be for an individual, an individual and their spouse or for the entire family.
Q: Are there other healthcare plans that will work for me?
A: Sure there are other options you might pursue. Group insurance is a possibility but will require an employer sponsored plan. You could join a professional organization which offers a group plan to its membership. Neither of these options may be available.
You may be able to obtain individual coverage even if you have certain pre existing conditions but most likely the insurance company will want to totally exclude most of the serious preexisting conditions. State high risk pools offer an alternative solution but certain requirements must be met and the premiums can be very expensive. For individuals with pre-existing conditions, a guaranteed acceptance health policy may still be your best option.
Q: Is Guaranteed Acceptance Health Insurance right for you?
A: Remember these types of plans were typically designed for individuals who cannot obtain traditional medical insurance due to medical issues or maybe someone who needs coverage for pre-existing conditions.
For Additional Information:
Want to learn about the guaranteed acceptance health insurance plan that Rudy recommends? All the details are available at: ==>
http://www.UninsurableHealthSolution.com now.
One choice that is available to these individuals is Guaranteed Acceptance Health Insurance. Follow along as we discuss some important aspects of this type of health insurance and see if it is right for you.
Q: What is Guaranteed Acceptance Health Insurance?
A: It is medical insurance that is guaranteed issue, meaning no one is turned down for health care coverage. It simply refers to health care coverage that has no medical underwriting. A policy will be issued even if you have pre existing conditions. There are no medical questions, no height/weight requirements and no physical exams needed to qualify. You choose your medical provider and the plan pays regardless of any other insurance coverage.
Q: Who needs this type of health care coverage?
A: It is ideal for those individuals who find they cannot qualify for or afford other health care plans. Those diagnosed with a preexisting condition such as heart disease, heart attack, diabetes, cancer, stroke, liver disease, AIDS, pregnancy, depression and kidney disease will most certainly find this a good choice. However, if you are healthy, it’s probably best to buy a traditional health policy.
Q: What does this insurance cover?
A: Known as a “mini-med” plan, these plans provide a considerable amount of healthcare coverage. They are affordable and cover most pre existing conditions after 12 months. These plans are not basic medical insurance or major medical coverage but offer what is known as “limited benefit health insurance”. Simply put, the plan pays a defined amount for a medical service or procedure. Usually covered are doctor visits, emergency room visits, hospital charges, surgery, accidental death, etc.
Q: How much does it cost?
A: These plans offer a wide range of premiums depending upon the type of plan selected and if the coverage will be for an individual, an individual and their spouse or for the entire family.
Q: Are there other healthcare plans that will work for me?
A: Sure there are other options you might pursue. Group insurance is a possibility but will require an employer sponsored plan. You could join a professional organization which offers a group plan to its membership. Neither of these options may be available.
You may be able to obtain individual coverage even if you have certain pre existing conditions but most likely the insurance company will want to totally exclude most of the serious preexisting conditions. State high risk pools offer an alternative solution but certain requirements must be met and the premiums can be very expensive. For individuals with pre-existing conditions, a guaranteed acceptance health policy may still be your best option.
Q: Is Guaranteed Acceptance Health Insurance right for you?
A: Remember these types of plans were typically designed for individuals who cannot obtain traditional medical insurance due to medical issues or maybe someone who needs coverage for pre-existing conditions.
For Additional Information:
Want to learn about the guaranteed acceptance health insurance plan that Rudy recommends? All the details are available at: ==>
http://www.UninsurableHealthSolution.com now.
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