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Have You Been Told You Are "Uninsurable"?Not True!Now, from the traditional Health Care Policy standpoint you probably aren't "insurable" but fortunately there are a few companies that are helping out with a Guarantee Issue Policy. How does this work and How much does it cost? Good question and here are your answers:First lets tackle the question of why some can't get a traditional/standard Health care policy. There are numerous factors involved when the underwriting department begins to look at your medical history and their "exposure" to future claims. I know, it doesn't seem fair (and I agree with you); however, insurance companies are a FOR Profit business like other businesses so they must qualify their financial "exposure".Here is a basic list of immediate denials when it comes to qualifying for a standard/traditional health policy. See if you fit into one of these categories before you begin the process of submitting an application. Regardless of your situation, no one likes to hear the words "denied". Do your homework ahead of time and save yourself the anguish and then read on to find out how to get a guarantee issue product if you fit into one of these categories. Declined Conditions
Individuals with the following condition(s) are considered to be a substandard risk, and will result in a declination of coverage. This is not an all-inclusive list. Addison Disease Occupation and Avocation Considerations.Individuals with a particular occupation/avocation(s) or participation in a certain industry may not be considered for coverage. Consideration may vary by state, depending on a particular state’s requirement. The following is ageneral, but not a complete list of occupations/avocations.Adult Entertainers Air Traffic Controllers Armed Forces (Military) personnel Asbestos or Chemical workers Bar/Tavern Owners Boxer or Prize Fighters Bungee Jumping Circus or Carnival Workers Commercial Fishermen Demolition Workers Explosive or Pyrotechnic Workers Government or Municipal Workers High Risk Aviation ex.:Test Pilot, Aerial Photographer, Hot Air Balloon, or Crop Duster Hang Gliding / Ultralight Jockey or Horse Trainers Marital Arts (Instructor or Professional) Migrant or Missionary Workers Miners, Oil or Natural Gas Workers Professional or Semi-Pro Rodeo Participants Professional or Semi-Pro Athletes Rock /Mountain Climbing Structural Steel Workers Stunt men or women Toxic Material or Chemical Workers Sky diving / Parachuting Vehicle racing (land or water) Unemployed due to Disability Xtreme sports Other Occupations or Avocations may deemed to be hazardous or ineligible to be considered for coverage. Inaddition, individuals with felony conviction/indictments, or criminal record may not be considered for coverage. Now For The Good News!
You Can Get Some Help And Here's How..................You have a couple of choices. One option is the Texas Risk Pool and your other option is to purchase a Guarantee Issue Policy. Each one has its pros and cons so lets break those down. The Texas Risk Pool is available to anyone who cannot acquire full medical benefits on their own. The main drawback to going this route is that it can be quite expensive. The good news is that unlike other policies, the state is allowing you to sign up with a medical history that would be denied under normal underwriting guidelines. Your other option is to participate in a Guarantee issue policy that can give you some type of assistance with regard to your medical needs. However, Please take note of the following:THIS IS NOT BASIC HEALTH INSURANCE. THIS OFFER INCLUDES DISCOUNTS AND/OR SERVICES PLUS ADDED LIMITED BENEFIT INDEMNITY INSURANCE. NONE OF THESE, INDIVIDUALLY OR IN COMBINATION ARE A SUBSTITUTE FOR BASIC HEALTH COVERAGE, MAJOR MEDICAL INSURANCE OR ANY OTHER MEDICAL EXPENSE REIMBURSEMENT INSURANCE PLAN.
The following limited benefit insurance is under the Group Accidental Death and Dismemberment and Medical Care Insurance policy and is an added benefit of your membership featuring: »» Inpatient/Outpatient Surgical Benefits through United States Life** •
Amount payable for each surgical procedure is provided in the surgical schedule and ranges from $80 to $8,000 per procedure to the total maximum amount of $20,000 per person per Calendar Year. (See examples below for common procedures.) For complete Surgical Schedule please vist www.consumerassociation.org.
Blanket Doctors Office VisitExpense Reimbursement Benefit •Covered members will be reimbursed up to 4 doctor office visits per Calendar Year up to $50.00 per Participating Provider, not to exceed 1 visit per quarter. PPO Network •Covered Members also have access to the MultiPlan Participating Dental Insurance • Calendar Year Maximum: $1,000• Calendar Year Deductible: $50.00 • PreventiveCare - 80% of Covered Expenses after You meet Your deductible and coinsurance. • Basic Care- 50% of Covered Expenses after You meet Your deductible and coinsurance, when services are Provided at least 6 months after the Insured Effective Date • Major Care- 50% of Covered Expenses after You meet your deductible and coinsurance, when services are Provided at least 12 months after the Insured Effective Date. Note: The information shown here and in any accompanying literature does not provide full details of the plan.This is only a brief description of Benefits available. What's The Cost?
the Self-Employed & Small Business Owner Office Equipment Financing Penny Wise Office Supplies Discount Hewlett-Packard Discount Office Depot Discount File Solutions Service Internet Access Service Website Customizing Discount Pre-employment Background Check Service Shred N Go Service Integrated Communications Health Reimbursement Arrangement Documents American Solutions for Business Printing Discount DHL Express Discount UPS Discount Collection Services Discount CoCard Merchant Credit Card Discount Pinnacle Merchant Credit Card Discount PayChex Payroll Processing Discount Grayhawk Payroll Processing Discount ADP Payroll Processing Discount For the Cost-Conscious Consumer Moving Van Lines Discount Online Florist Discount Entertainment National Hotel Discount Travel Club Video Discounts Online Shopping Discount - HoptheShops.com Crisp Publications Savers Club Book Discounts Child ID Network Safety Service Auto Rental Discount Roadside Assistance Identity Theft Insurance Travelcell PowerNet Global Long Distance LensCrafters Discount Hearing Discount 24-Hour Nurse Hotline Gateway Emergency Personal Health History Medicard Vitamin and Nutritional Supplements Discount Weider Discount Healthrider Discount Weslo Discount Gold’s Gym Discount Pro-Form Discount NordicTrac Discount Reebok Discount MedScript Prescription Drug Discount Diabetes Care Plan Medical Air Travel Assistance For the Health-Conscious Consumer LensCrafters Discount Hearing Discount 24-Hour Nurse Hotline Gateway Emergency Personal Health History Medicard Vitamin and Nutritional Supplements Discount Weider Discount Healthrider Discount Weslo Discount Gold’s Gym Discount Pro-Form Discount NordicTrac Discount Reebok Discount MedScript Prescription Drug Discount Diabetes Care Plan Medical Air Travel Assistance
$249.95 (per month/perindividual)! As an Agent, I have to let you know that although you are acquiring this information via the internet, I do not like to "blindly" write any type of Health care policy without insuring you are actually receiving the best type of coverage. It is our responsibility as Agents to make sure everyone is in fact receiving the best type of coverage that is available to the client (based on your circumstances). To write a policy via the internet does not allow me to completely do my job. However, I know that some prefer the internet so see below for additional resources of those companies that will gladly take your application and money.
Assurant
e Health Insurance
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It's YOUR Health and YOUR money....let's do it RIGHT the first time! I look forward to helping you in your investment...... Your HealthSo, if you are truly interested in working with someone who doesn't treat you as a number then click here. Or, fill out the information below and we'll begin working together. |
