Guaranteed Issue Policies
Plans that do not involve underwriting are often called “guaranteed issue” because their prices and benefits do not vary based on individual risk, or they do not exclude applicants due to pre-existing health conditions. Underwriting is the process that insurance providers apply when determining the risk posed by an applicant for insurance. If that risk is too high, the applicant will be denied coverage or charged a higher premium. This makes major medical insurance unattainable for millions of Americans.
Therefore, instead of straight “insurance,” a high risk applicant might be better off buying an indemnity plan or association membership that does not require underwriting. Providers of indemnity plans and association plans, the leading example being Health Option One, offer outstanding health coverage that is not structured like traditional insurance.
Millions of Americans are opting for Health Option One plans, and various supplemental indemnity plans, to obtain fully functional health coverage without a major medical insurance policy. These plans are less likely to penalize members for pre-existing conditions and will not raise premiums as long as members remain enrolled. Our agents are national leaders in providing these plans and are available to assist you in exploring the options in your state right now.
There is no reason to be completely uninsured, even if you have pre-existing conditions that disqualify you from major medical insurance. One of our licensed agents can inform you of the guaranteed issue plans available in your state today, and within 24 hours, you could be experiencing tremendous savings on the medical services you would otherwise pay for at individual uninsured rates.
Plans that do not involve underwriting are often called “guaranteed issue” because their prices and benefits do not vary based on individual risk, or they do not exclude applicants due to pre-existing health conditions. Underwriting is the process that insurance providers apply when determining the risk posed by an applicant for insurance. If that risk is too high, the applicant will be denied coverage or charged a higher premium. This makes major medical insurance unattainable for millions of Americans.
Therefore, instead of straight “insurance,” a high risk applicant might be better off buying an indemnity plan or association membership that does not require underwriting. Providers of indemnity plans and association plans, the leading example being Health Option One, offer outstanding health coverage that is not structured like traditional insurance.
Millions of Americans are opting for Health Option One plans, and various supplemental indemnity plans, to obtain fully functional health coverage without a major medical insurance policy. These plans are less likely to penalize members for pre-existing conditions and will not raise premiums as long as members remain enrolled. Our agents are national leaders in providing these plans and are available to assist you in exploring the options in your state right now.
There is no reason to be completely uninsured, even if you have pre-existing conditions that disqualify you from major medical insurance. One of our licensed agents can inform you of the guaranteed issue plans available in your state today, and within 24 hours, you could be experiencing tremendous savings on the medical services you would otherwise pay for at individual uninsured rates.