Guaranteed

Guaranteed Issue Health Plans are an option for the medically Un-insurable.

Have you experienced major health issues such as, heart surgery, diabetes, cancer, stroke, depression or other conditions that may cause you to be declined for health insurance? We offer several plans that will still accept you with pre-existing conditions. If you've been turned down for major medical insurance you still have options for health coverage.

Guaranteed Health Plans provides limited medical indemnity insurance plans that offer insurance benefits to help with the everyday cost of medical treatment regardless of pre-existing health conditions. There is no underwriting and no health questions.

Benefits of Guaranteed Issue Health Plans

Individual , Family or Group Coverage
Doctor Office Visits (adult and child)
Hospitalization Benefits
Emergency Room Benefits
Surgery Benefits
Fairmont Specialty, a division of Crum & Forster. United States Fire Insurance Company is rated A- (Excellent), by AM Best Company.
No medical questions on this plan (Guaranteed issue)
Paid benefits based on procedure or visit ( the fees schedule is based on the plan you choose)

Affordable - You already know that fully comprehensive health insurance is very expensive. Guaranteed Health Insurance offers a less expensive, limited benefit solution for everyone.

Accessible - Core Health Insurance is guaranteed issue* . There are no medical questions or physical exams to qualify.

Choose Any Doctor - Choose the Doctor, Clinic, or Hospital of your choice. You may go to the provider of your choice.

*Available to anyone from 18 to 65. Not available in all states.

Because these plans have defined limits on coverage, and less risk for the insurance company. They pay set amounts and are not designed to provide catastrophic coverage.

Who Should consider a Guaranteed Issue Plan?

Those with a pre-existing health condition and deemed "uninsurable"
Who can't afford a major medical plan, but need basic, non-catastrophic, coverage
who have exhausted their 18-month COBRA benefits, and don't have other options
Those seeking inexpensive "creditable coverage" while between jobs

Coverage on Pre-existing Conditions

Just as with traditional health plans, there can be a waiting period for expenses due to a pre-existing condition. You can be covered for pre-existing conditions immediately if you come off a group or employer-sponsored plan and can supply a Certificate of Creditable Coverage stating you've had at least 12 months of continuous coverage with no more than a 63-day lapse

These plans are HIPPA, meaning they can be considered "creditable coverage" by other carriers. If you have one these plans and later get a group insurance plan through an employer, the time on these plans may count toward the 12 month pre-existing waiting period for your new insurance.

If you can qualify for and afford major medical insurance, that's what you should buy

Apply for Core Guaranteed Issue Health Plan

Plan Brochure

Core Health Outline of Coverage