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Guaranteed Issue Health Insurance

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Has any insurance company denied you coverage because of a serious illness or your immigration status? In 2020, 28 million Americans did not have health insurance, many of them because of serious illnesses or immigration status such as diplomats, students, those who are in the process of changing their status and who require valid insurance, those who are asylum-seekers, those who have Tax Id but do not have Social Security number, travelers and some other categories; so they faced many obstacles when finding health insurance that would give them access to medical care based on their needs. 

Fortunately, there is a coverage that Blanca Your Best Solution bit.ly/CallBlancaWA offers, and takes these segments of the population into consideration, which is the Guaranteed Acceptance and Issue Health Insurance.

*Any event related to a pre-existing condition will be covered 12 months after the date in which you obtain your coverage.

 

What is Guaranteed Issue Health Insurance?

It’s a coverage whose main feature, unlike any other, is that it doesn’t require medical tests or questions about your health or immigration status to determine if you’re eligible.

Thanks to this, Guaranteed Acceptance Insurance is a very convenient plan for people who have pre-existing medical conditions, and those that for some medical or migratory reason are not eligible to obtain a health coverage in the Public Health Insurance Marketplace (www.healthcare.gov). Guaranteed Acceptance Insurance coverage includes guaranteed renewal, cancellation whenever you want it without any penalty, plus a fixed monthly premium for 12 months from the date of purchase.

*Any event related to a pre-existing condition will be covered 12 months after the date in which you obtain your coverage.

Characteristics

– Zero deductibles: you receive benefits from the moment your coverage is activated.

– Coverage 24 hours a day inside and outside work

– Access to the network of PPO (Preferred Provider Organization). Remember that your savings may be higher if you choose a doctor who is affiliated with the insurance company.

– No referral is required to assist a specialist

– Access to any doctor or hospital, regardless of whether they are on or off the network.

– National coverage in all 52 states receiving the same benefits regardless of where you use health care.

Immediate Benefits

Annual check-up including:

  • Physical examination
  • Laboratory tests
  • Vaccines for children
  • Prostate examination
  • Pap smear
  • Mammograms
  • Colonoscopies
  • Chest X-ray
  • Electrocardiograms

 

Day-to-day Benefits

  • Medical consultations due to accident or illness
  • X-ray studies
  • Medicines on prescription
  • Transportation by ground or air ambulance, use of emergency room and hospital room
  • Radiology
  • ICU (Intensive Care Unit) 
  • Bone fractures
  • MD Live Medical Care by phone or video call 24/7 free of charge.
  • Among others 

 

Surgery

  • Outpatient: 
    • Surgeon
    • Anesthesiologist 
    • Assistant Surgeon
  • Inpatient

In addition to the above:

  • Hospitalization and miscellaneous
  • Doctor visits during hospitalization

 

Major Examination Benefits

  • Magnetic Resonance imaging (MRI) 
  • Positron Emission Tomography (PET)  
  • Computed tomography (CAT)

 

Catastrophic Benefits

The insurance covers treatment and follow-up for critical illnesses, which would be practically impossible for most people to do without insurance:

  • Cancer benefits
  • Radiation and chemotherapy
  • Stroke benefits
  • Coronary bypass surgery
  • Heart attack benefits
  • Diabetes equipment for outpatients 
  • Coma benefits 
  • Severe burn benefits
  • In addition to others

 

Additional Financial Benefits

  • Merit Educational Scholarships Program for the eligible children 
  • Accidental Death & Dismemberment (AD&D) Maximum Benefits* Primary Member $60,000 Spouse $ 30,000 Child $ 15,000
  • Benefit per accident per covered member $8,000 ($500 Deductible per accident per covered member)
  • Hospital room & board expenses max up to 30 days $600 (1 day elimination period)

 

The above mentioned financial benefits are available in AL, AR, DE, FL, GA, IA, IL, IN, KY, LA, MI, MS, NE, OK, PA, SC, TN, TX, VA, WV & WY 

Now you know an option you didn’t know you had. Guaranteed Issue Health Insurance is a reliable option for people with pre-existing health conditions or unfavourable immigration status, but who still deserve to live a calm life and be able to pay their medical bills without destroying their financial wealth. For advice and hiring, #CallBlanca Now! bit.ly/CallBlancaWA and schedule an appointment with Blanca, who will give you more information, but above all confidence.

Sources:

  • https://www.census.gov/newsroom/press-releases/2021/income-poverty-health-insurance-coverage/income-poverty-health-insurance-coverage-spanish.html#:~:text=En%20el%202020%2C%20el%208.6,el%202020%20fue%20del%2091.4%25
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