Guaranteed Health Insurance
Guaranteed health insurance options are available for the individuals having a hard time establishing coverage. Those who have pre-existing health conditions may have some problems with obtaining a policy because of their high-risk status.
Health Insurance that is Guaranteed
In some states, there is a high-risk pool insurance policy available to the individuals faced with issues getting a plan. Some of these insurance policies require the insured to pay more than the normal rates of other traditional policies, also making is difficult for those who aren't able to afford such a plan. Other states place limits on the premiums that can be charged to these high-risk individuals.
Some benefits of a guaranteed insurance policy include:
- Co-payments for prescriptions
- Co-payments for doctor visits
- Coverage for inpatient and outpatient services
- PPO access with PPO re-pricing
- Coverage for pre-existing chronic illnesses
Also available are policies that have maternity coverage. A lot of these health insurance companies offer guaranteed coverage in all 50 states.
Many of the people who are living with a chronic illness are either denied coverage or their illnesses aren't covered under the policy purchased (either forever or for a number of years).
If you are eligible for the HIPAA, or Health Insurance Portability and Accountability Act, you may be able to find a health plan that won't deny you coverage. The insurance companies that put exclusions on plans for a certain period of time for pre-existing health conditions usually offer instant coverage when you are HIPAA qualified.
In some states, if you and your family qualify for group health insurance, you cannot be denied coverage from such a plan, including HMOs, PPOs and POSs. Search around to see what guaranteed health insurance you can find.