Guaranteed Issue Health Plans

Often times people have pre-existing conditions, which are not normally covered by standard personal health plans.

When there are pre-existing medical conditions you have two options:

1. Apply for a standard health insurance plan that will exclude the specific, pre- existing condition (everything else will be covered).
2. Get a guaranteed issue health insurance plan that will then cover the pre-existing condition.

If you want to apply for a standard health plan just indicate the nature of your condition in the application's medical questionnaire. What then happens is the insurance company's underwriters look at the application and either reject it or make a counter-offer that does not include coverage for the existing condition.

Your other option is a guaranteed issue health plan. The one thing about these plans is that the coverage is limited, with maximums set for benefits. However, many times a guaranteed issue health plan will pay out immediately for the given existing condition (e.g. test strips and syringes for diabetics, etc.). In addition there are valuable core benefits for things like medical practitioners (e.g. physiotherapists, etc.), as well as dental and prescription drug coverage ( depending on the plan).

The following lists guaranteed issue health insurance plans:

• FlexCare ComboPlus Starter Plan: Core benefits (e.g. physiotherapists, home care, nursing, etc.), dental and drug coverage.
   
• FlexCare DentalPlus Basic and Enhanced Plans: Core benefits like vision, extended health care (e.g. nursing, home care, etc.), and dental insurance (does not come with prescription drug coverage).
   
• Basic Blue Choice (Ontario residents only): Comes with extended health care, prescription drugs, dental care, out-of-country travel, and optional hospital coverage. Plan Details
   
• FollowMe: personal health insurance for those who have lost or discontinued their employee benefits (i.e. group insurance). No medical questions are asked if you apply within 60 days from your group insurance termination date. If you are interested in a guaranteed issue health insurance then please call us at 1-800-474-4474.