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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
benefits package.
Guaranteed Issue Health Insurance Features:
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Coverage for pre-existing conditions.
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There is no medical questionnaire.
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Offers dental and prescription drug coverage*,
as well as core health benefits.
- Looking for no medical disability benefits? -
* Guaranteed issue health plans have less overall
coverage compared to medically underwritten plans.
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