People that want to get health insurance sometimes have pre-existing conditions,
and if this applies to you then you have two options:
Consider a standard plan that is
medically underwritten (e.g. requires filling out a medical questionnaire), in which case the condition will not be covered, OR:
Consider a guaranteed health plan
(no medical questions), which will cover the pre-existing condition(s) and can provide prescription drug benefits.
Note: if you have terminated your employee benefits (i.e. group coverage) within the last
60 days then you qualify for a special type of guaranteed issue product called
"conversion benefits", which do not require a medical. A conversion benefits
plan is specially designed for people who were previously covered by an employee
Guaranteed Issue Health Insurance Features:
Coverage for pre-existing conditions.
There is no medical questionnaire.
Offers dental and prescription drug coverage*,
as well as core health benefits.