Guaranteed Issue Health Coverage

Guaranteed Issue Health Insurance provides coverage to individuals 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 inpatient and outpatient care, and most guaranteed issue policies are also guaranteed renewable.

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.

Can I Be Ineligible for Guaranteed Issue Health Insurance Policies?

Almost every individual can qualify 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 almost 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 individuals with pre-existing conditions, a guaranteed issue health policy is ultimately the best option. If you are healthy, buy a health insurance policy now in order to save on your deductible and your premiums.