March 19, 2008

Guaranteed Issue Health Insurance

Plan B - a second choice if you can't qualify for traditional health insurance, or if you want to maintain low premiums and self insure the "small stuff"

Many people are unable to find quality health insurance. For some it is the cost, while for others it is due to pre-existing conditions. Diabetes, high blood pressure, high cholesterol, history of a heart attack, stroke, cancer and obesity are just some of the pre-existing conditions that prevent several million Americans each year from obtaining health insurance. Without quality health insurance, a medical emergency could turn into a financial disaster.

A Guaranteed Issue plan is also referred to as a Mini Med plan works differently from traditional insurance. Many plans offer an indemnity plan (reimbursement basis), with provisions for preventative care. A popular plan remains the AIM GI plan.

** Is guaranteed issue and guaranteed renewable
** Pays for doctors and hospitals
** Has no deductible
** Covers you both in and out of the hospital
** Includes out-patient surgery benefits
** Covers pre-existing conditions after one year
** Includes life insurance
** Provides accident benefits

Yes, there are some trade-off's - however this is plan B.

This policy is available in three variations, with the most expensive plan, the Diamond plan, costing only $248 per month. The Diamond plan pays you $1,000 per day while hospitalized, for up to 100 days per year, an additional $1,000 per day while in intensive care for up to five days per year, up to $12,000 to a surgeon per incident (unlimited incidents), and up to $2,400 for anesthesia benefits per incident (unlimited incidents). Benefits are the same whether inpatient or outpatient. A $5,000 accident benefit is included, as is a $5,000 life insurance benefit. Limited doctor office visits and lab testing and x-rays are also included benefits. Visit
QuoteBroker for brochure that can be downloaded.