Just take a look around you. Look at your family, your friends, even your neighbors and co-workers... and others you come into contact with daily.
I'm sure you'll agree that many are unable to find quality health insurance. And you may be in the same boat. For some it is primarily due to the high cost of obtaining health coverage, but for others it's simply a result of a pre-existing condition. The insurance companies have declined them for the healthcare coverage they seek.
Today many health conditions such as diabetes, cancer, obesity, high blood pressure, heart attack, high cholesterol and stroke, are just a few of the pre-existing conditions that prevent millions of Americans from obtaining health insurance. You and I both know that without quality health insurance a family can be financially destroyed by a medical emergency.
A guaranteed acceptance health insurance policy can offer some health insurance coverage that these folks so badly need. Some guaranteed acceptance health insurance policies have an initial wait period before the pre-existing condition is covered. Some plans require a one year waiting period until the pre-existing condition will be covered. If you have recently been covered by another plan such as a group plan where you worked and have a certification of creditable coverage then you maybe be eligible to reduce or eliminate this waiting period.
A certification of creditable coverage is a statement showing the date you were covered. This letter acts as a "receipt" for your health insurance coverage and is automatically given to any covered person by the health plan administrator when the person loses his/her coverage.
One particular guaranteed acceptance health insurance plan that we know of is HIPAA compliant. They reduced or eliminated this wait time if you have the certification of creditable coverage.
A guaranteed acceptance health insurance policy covers many aspects of medical attention, including inpatient, outpatient, doctor visits, and hospital visits.
Learn more about: Health Insurance For Preexisting Conditions
Get information on: Guaranteed Acceptance Health Insurance
Monday, March 8, 2010
Sunday, March 7, 2010
Health Insurance For Preexisting Conditions!
Are serious health issues causing you to be labeled as uninsurable?
Cancer, stroke, heart disease, diabetes and obesity are all too common in today’s world. These health concerns are causing thousands to be declined for health insurance. It is a challenge for individuals with pre existing conditions to find uninsurable health insurance. Sometimes, even being over-weight is enough reason for some insurance companies to decline your healthcare coverage.
Individuals who are uninsurable will find their health insurance choices very limited. Pre existing conditions provide the insurance companies with reasons to decline your application for health insurance. However, there may be ways you can obtain healthcare coverage. You can greatly reduce the potential financial strain on you and your family by using creative insurance planning. Knowing and understanding what is available will also benefit you greatly. Do your research and acquire the knowledge. Then make a decision on your future healthcare needs.
If you can find an insurance company to provide this needed health insurance coverage, you will notice that this insurance is not going to be cheap. The coverage will probably be somewhat limited. My advise to you; it’s probably best to take it until something better comes along.
If you are uninsurable, take a look at the following option. This may be a good plan for your individual situation.
Learn more about: Health Insurance For Preexisting Conditions
Get information on: Guaranteed Issue Health Insurance
Cancer, stroke, heart disease, diabetes and obesity are all too common in today’s world. These health concerns are causing thousands to be declined for health insurance. It is a challenge for individuals with pre existing conditions to find uninsurable health insurance. Sometimes, even being over-weight is enough reason for some insurance companies to decline your healthcare coverage.
Individuals who are uninsurable will find their health insurance choices very limited. Pre existing conditions provide the insurance companies with reasons to decline your application for health insurance. However, there may be ways you can obtain healthcare coverage. You can greatly reduce the potential financial strain on you and your family by using creative insurance planning. Knowing and understanding what is available will also benefit you greatly. Do your research and acquire the knowledge. Then make a decision on your future healthcare needs.
If you can find an insurance company to provide this needed health insurance coverage, you will notice that this insurance is not going to be cheap. The coverage will probably be somewhat limited. My advise to you; it’s probably best to take it until something better comes along.
If you are uninsurable, take a look at the following option. This may be a good plan for your individual situation.
Learn more about: Health Insurance For Preexisting Conditions
Get information on: Guaranteed Issue Health Insurance
Saturday, March 6, 2010
Health Insurance After Cancer - Learn How to Get the Best Coverage
Being labeled as a cancer survivor can spell trouble when it comes to employment and getting medical coverage. Thousands of individuals did not have the luxury of healthcare before their cancer diagnosis. Now these same individuals are facing an even bigger challenge... obtaining health insurance after cancer. And if they are unable to work they can not participate in an employer-sponsored health plan.
Quite often the door to medical insurance is slammed in the face of cancer survivors by the insurance companies who label them as "uninsurable". Because of their pre-existing condition, these individuals are going without any healthcare coverage. It seems the insurance companies only want to insure those who are young and healthy.
Group insurance is usually better than individual insurance plans. This is especially true for those with cancer who need health coverage. The surest way to gain access to group insurance is to get employed by a large company. We know this is not always possible. A licensed insurance agent can assist you in finding an individual health package.
One thing to be aware of … if you join a new healthcare plan... you may face the "pre-existing condition exclusion period". What this means is you may have to wait as long as a year before the insurance company will pay any medical costs associated with the pre-existing condition. The solution is to look for a healthcare plan that is HIPAA compliant (Health Insurance Portability and Accountability Act of 1996). This feature allows a person who has had healthcare coverage for at least 12 months and with no more than 63 days loss of coverage, to change plans and be guaranteed healthcare coverage. There may be no waiting period at all because the pre-existing condition exclusion period is reduced or eliminated. Most employer-sponsored group plans are HIPAA compliant; however, you will need to look long and hard to find an individual policy that is HIPAA compliant and will cover pre-existing conditions.
Learn more about: Health Insurance After Cancer
Get information on: Guaranteed Issue Health Insurance
Quite often the door to medical insurance is slammed in the face of cancer survivors by the insurance companies who label them as "uninsurable". Because of their pre-existing condition, these individuals are going without any healthcare coverage. It seems the insurance companies only want to insure those who are young and healthy.
Group insurance is usually better than individual insurance plans. This is especially true for those with cancer who need health coverage. The surest way to gain access to group insurance is to get employed by a large company. We know this is not always possible. A licensed insurance agent can assist you in finding an individual health package.
One thing to be aware of … if you join a new healthcare plan... you may face the "pre-existing condition exclusion period". What this means is you may have to wait as long as a year before the insurance company will pay any medical costs associated with the pre-existing condition. The solution is to look for a healthcare plan that is HIPAA compliant (Health Insurance Portability and Accountability Act of 1996). This feature allows a person who has had healthcare coverage for at least 12 months and with no more than 63 days loss of coverage, to change plans and be guaranteed healthcare coverage. There may be no waiting period at all because the pre-existing condition exclusion period is reduced or eliminated. Most employer-sponsored group plans are HIPAA compliant; however, you will need to look long and hard to find an individual policy that is HIPAA compliant and will cover pre-existing conditions.
Learn more about: Health Insurance After Cancer
Get information on: Guaranteed Issue Health Insurance
Friday, March 5, 2010
Guaranteed Issue Health Insurance May Be a Good Choice
A Guaranteed Issue Health Insurance plan provides coverage to individuals who may be ineligible for other types of health insurance. For those with a pre-existing condition such as stroke, heart disease, AIDS, cancer or diabetes, then a Guaranteed Issue Health Policy may be the best option.
Guaranteed issue policies may have an initial waiting period of up to 12 months before the pre-existing conditions are covered. Other policies may require proof of employment to qualify.
A Guaranteed Issue Health Insurance plan will usually cover most of your healthcare needs including doctor visits, hospital care, and inpatient and outpatient care. Known as a “mini-med” plan, these plans provide a considerable amount of healthcare coverage; however, they are not basic health insurance or major medical insurance. They offer what is known as “limited benefit health insurance”. Simply put, the plan pays a defined amount for a medical service or procedure.
Usually these plans cover doctor visits, emergency room visits, hospital charges, surgery, accidental death, etc. The cost for premiums will depend upon the type of plan selected and if the coverage is for an individual, an individual and spouse or for the entire family.
There may be other options you would prefer to investigate before securing Guaranteed Issue Health Insurance. If so, you could look at group health insurance, but this will usually require an employer sponsored plan. You could even look into joining a professional organization which offers a group health insurance plan to its membership. Neither of these options may be available.
You may be able to obtain individual health insurance 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 issue health policy may still be your best option.
Remember these healthcare 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.
Want to learn about the guaranteed issued health insurance plan that Rudy recommends? View the details at: ==>
http://www.UninsurableHealthSolution.com
Guaranteed issue policies may have an initial waiting period of up to 12 months before the pre-existing conditions are covered. Other policies may require proof of employment to qualify.
A Guaranteed Issue Health Insurance plan will usually cover most of your healthcare needs including doctor visits, hospital care, and inpatient and outpatient care. Known as a “mini-med” plan, these plans provide a considerable amount of healthcare coverage; however, they are not basic health insurance or major medical insurance. They offer what is known as “limited benefit health insurance”. Simply put, the plan pays a defined amount for a medical service or procedure.
Usually these plans cover doctor visits, emergency room visits, hospital charges, surgery, accidental death, etc. The cost for premiums will depend upon the type of plan selected and if the coverage is for an individual, an individual and spouse or for the entire family.
There may be other options you would prefer to investigate before securing Guaranteed Issue Health Insurance. If so, you could look at group health insurance, but this will usually require an employer sponsored plan. You could even look into joining a professional organization which offers a group health insurance plan to its membership. Neither of these options may be available.
You may be able to obtain individual health insurance 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 issue health policy may still be your best option.
Remember these healthcare 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.
Want to learn about the guaranteed issued health insurance plan that Rudy recommends? View the details at: ==>
http://www.UninsurableHealthSolution.com
Thursday, March 4, 2010
Health Insurance for Someone with Pre Existing Conditions
If you have you been rated up or declined for health insurance it’s probably because you have a pre existing condition.
Thousands of uninsured, underinsured and uninsurable individuals are facing serious health issues like heart disease, heart attack, diabetes, cancer, stroke, liver disease, AIDS, pregnancy, depression and kidney disease. Any of these pre existing conditions can cause them to be declined for health coverage. Today, you may even be declined if you are over-weight.
It’s a real challenge obtaining health insurance for someone with pre existing conditions. However, before we get ahead of ourselves, here are some questions we need to address.
What is a pre-existing condition?
A pre-existing condition is any injury or sickness for which diagnosis has been made, treatment has been recommended, treatment has been rendered, or expenses have been incurred within a set amount of months prior to the effective date of coverage (usually 3, 6 or 12 months and this can vary by state). It includes any condition manifesting itself in symptoms which would cause a prudent person to seek medical advice.
What is a pre-existing condition exclusion period?
Insurance companies try to discourage people from waiting until they get sick to purchase medical insurance. This is accomplished by imposing what is known as a preexisting condition exclusion period. This simply means, if you have a medical problem which exists at the time you purchase insurance, the insurer will deny the claims pertaining to that medical problem for a certain period of time.
The rules governing preexisting condition exclusion periods in individual health policies vary widely from state to state and are very much different from the rules of an employer-sponsored plan. If you have or recently have had health coverage, you may be able to apply this creditable coverage to offset a preexisting condition exclusion period.
Why all the hoopla over a pre-existing condition?
The biggest stumbling block with private individual medical insurance is the problem with preexisting conditions. Plain and simple… insurance companies don’t like preexisting conditions. They know in the long run… it will cost them more money to insure you. Frankly, insurers prefer to insure people who are not very likely to need the insurance.
But stop and think! Who doesn't have some kind of health or medical issue? It may be something as simple as asthma or as complex as cancer. Some pre-existing conditions can be managed and these individuals can live a relatively healthy and normal life.
Yet, insurers can and do turn down “high risks” individuals for coverage because of an existing or previous illness. Even if coverage is found, the premiums charged are often unaffordable. Sometimes the individual may end up with a modified policy paying more because of their medical history or having to take a policy that excludes their pre existing conditions.
Are there things I can do to get healthcare coverage?
Here are some choices for obtaining health coverage. See if any apply to your situation.
(1). Employer-sponsored group health plan
(2). Join a professional organization (e.g. Chamber of Commerce)
(3). Individual health insurance
(4). State risk pool (if one exist in your state)
(5). Discount health cards
(6). Guaranteed Issue Health Insurance
Whether covered by insurance or by some other means, the total cost of health insurance for someone with pre existing conditions is high enough to dramatically impact that person’s lifestyle.
Today it is important for all of us to lead a healthy lifestyle. However, if you already have a preexisting condition that is keeping you from getting affordable health coverage, you should investigate the 6 options listed above to see which would work best for you.
Want to find out more on the best guaranteed acceptance health insurance plan that Rudy recommends? All the details are available at: ==>
http://www.UninsurableHealthSolution.com
Thousands of uninsured, underinsured and uninsurable individuals are facing serious health issues like heart disease, heart attack, diabetes, cancer, stroke, liver disease, AIDS, pregnancy, depression and kidney disease. Any of these pre existing conditions can cause them to be declined for health coverage. Today, you may even be declined if you are over-weight.
It’s a real challenge obtaining health insurance for someone with pre existing conditions. However, before we get ahead of ourselves, here are some questions we need to address.
What is a pre-existing condition?
A pre-existing condition is any injury or sickness for which diagnosis has been made, treatment has been recommended, treatment has been rendered, or expenses have been incurred within a set amount of months prior to the effective date of coverage (usually 3, 6 or 12 months and this can vary by state). It includes any condition manifesting itself in symptoms which would cause a prudent person to seek medical advice.
What is a pre-existing condition exclusion period?
Insurance companies try to discourage people from waiting until they get sick to purchase medical insurance. This is accomplished by imposing what is known as a preexisting condition exclusion period. This simply means, if you have a medical problem which exists at the time you purchase insurance, the insurer will deny the claims pertaining to that medical problem for a certain period of time.
The rules governing preexisting condition exclusion periods in individual health policies vary widely from state to state and are very much different from the rules of an employer-sponsored plan. If you have or recently have had health coverage, you may be able to apply this creditable coverage to offset a preexisting condition exclusion period.
Why all the hoopla over a pre-existing condition?
The biggest stumbling block with private individual medical insurance is the problem with preexisting conditions. Plain and simple… insurance companies don’t like preexisting conditions. They know in the long run… it will cost them more money to insure you. Frankly, insurers prefer to insure people who are not very likely to need the insurance.
But stop and think! Who doesn't have some kind of health or medical issue? It may be something as simple as asthma or as complex as cancer. Some pre-existing conditions can be managed and these individuals can live a relatively healthy and normal life.
Yet, insurers can and do turn down “high risks” individuals for coverage because of an existing or previous illness. Even if coverage is found, the premiums charged are often unaffordable. Sometimes the individual may end up with a modified policy paying more because of their medical history or having to take a policy that excludes their pre existing conditions.
Are there things I can do to get healthcare coverage?
Here are some choices for obtaining health coverage. See if any apply to your situation.
(1). Employer-sponsored group health plan
(2). Join a professional organization (e.g. Chamber of Commerce)
(3). Individual health insurance
(4). State risk pool (if one exist in your state)
(5). Discount health cards
(6). Guaranteed Issue Health Insurance
Whether covered by insurance or by some other means, the total cost of health insurance for someone with pre existing conditions is high enough to dramatically impact that person’s lifestyle.
Today it is important for all of us to lead a healthy lifestyle. However, if you already have a preexisting condition that is keeping you from getting affordable health coverage, you should investigate the 6 options listed above to see which would work best for you.
Want to find out more on the best guaranteed acceptance health insurance plan that Rudy recommends? All the details are available at: ==>
http://www.UninsurableHealthSolution.com
Wednesday, March 3, 2010
Need Uninsurable Health Insurance? – 6 Choices to Consider!
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
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
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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