Guaranteed Issue Health Insurance
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Guaranteed Issue Health Insurance provides coverage to patients who may be ineligible for other types of health plans. If you have a pre-existing condition such as heart disease, cancer, AIDS, or diabetes, then a Guaranteed Issue Health Policy may be the best option for you.
Guaranteed issue policies may have an initial waiting period of up to a year before pre-existing conditions are covered. Some policies may require that you are employed, although some policies do not insist upon this qualification.
A guaranteed issue plan will cover most of your healthcare needs, including physician visits, hospital care, and in patient and outpatient care, and most guaranteed issue policies are also guaranteed renewable.
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Do I Need a Guaranteed Issue Health Insurance Policy?
If you would not typically qualify for a healthcare policy due to pre-existing conditions, then a guaranteed issue health policy may be helpful to you.
Is Everyone Eligible for Guaranteed Issue Health Insurance?
Every patient qualifies for a guaranteed issue health plan. Even if you don’t qualify for regular health insurance policies because of a pre-existing condition (heart disease, etc.) you will certainly qualify for a guaranteed issue policy.
What Does a Guaranteed Issue Health Insurance Policy Cost?
Guaranteed issue health plans are offered at a range of costs, depending on what type of premium and deductible you choose.
Are There Other Options Besides Guaranteed Issue Health Insurance?
For patients with pre-existing conditions, a guaranteed issue health policy is a great option, but not the only option by any means. The Affordable Health Care Act instituted a law that required insurers to provide coverage, regardless of pre-existing conditions; however, that law won't go into effect for adults until 2014 (for children, it is already in effect). Until then, you may choose to avail of your state's high risk health insurance pool, or you could look into the national insurance risk pool set up as a result of health reform. If you are healthy, buy a health insurance policy now in order to save on your deductible and your premiums.