Guaranteed Issue Health Insurance Plans
Guaranteed issue health insurance makes sure you still get to have support for your expenses on health care
no matter the issue. Thousands of aging people diagnosed with chronic conditions prior to application of health insurance are often denied. Give PCIP.GOV a call at 1-866-717-5826 and know your options. We represent insurance plans that were specifically designed for those with pre-existing conditions and offer 100 percent coverage on everything (after the deductibles and copays).
It has even been estimated that 8 people are denied health insurance every 9 minutes! Thanks to guaranteed issue health insurance, you get to have health care costs reduced and have your pre-existing conditions covered. Surely, it is beneficial to have guaranteed health insurance. When all hope is lost in application for a regular health insurance, guaranteed health issue insurance will be there to provide benefits that are befitting its price.
Guaranteed Issue Health Insurance – Benefits
- Covers health care cost of pre-existing conditions (no waiting periods).
- Covers in and out patient hospital stays at 100 percent
- Unlimited surgeries covered at 100 percent
- Physician office visits covered at 100 percent
- Diagnostic exams including X-rays
- Emergency room accident benefits
- PPO access discounts
- Plans start at $107 and go up to $327
The benefits of health insurance pre-existing conditions are many, and include things like your hospital stay so you don’t have to worry if you get injured. Plus there are even emergency room benefits and diagnostic exams including X-rays so you never have to worry when you need medical attention, this is all just the beginning of guaranteed issue health insurance. It will also cover the cost of your pre-existing conditions, something not all health insurance will do. HealthCare.gov explains exactly why you should buy the pre-existing condition insurance plan.
About the New Pre-Existing Condition Insurance Plan
The Affordable Care Act signed by President Obama in March creates a new program – the Pre-Existing Condition Insurance Plan (PCIP) program– to make health insurance available to millions of Americans denied coverage by private insurance companies because of a pre-existing condition. Coverage for people living with such conditions as diabetes, asthma, cancer, and HIV/AIDS has often been priced out of the reach of most Americans who buy their own insurance, and this has resulted in a denial of coverage for millions. The Pre-Existing Condition Insurance Plan is designed to address these challenges by offering comprehensive coverage at a reasonable cost:
- Health insurance for diabetics – Great plans as insurance for diabetics.
- Insurance for cancer patients – Most affordable policies specifically for cancer survivors.
- These guaranteed medical policies are great for those looking for diabetic health insurance.
The PCIP program, which is administered by either your State or the Federal government, will provide a new option for you if you are a U.S. citizen or legal resident who has been uninsured for at least six months, have a pre-existing condition, and have been unable to obtain health coverage because of your health condition.
Regulations published July 30 establish standards necessary for the administration of the program and clarify certain issues not otherwise specified in the statute. These include, but are not limited to: required and excluded benefits; eligibility and enrollment requirements; and, funding allocation.
Health Insurance for Pre-existing Conditions – How it Works
Some states are what are called guaranteed issue states, meaning that the laws in your state require the insurers to sell you a policy. You have a right to state, guaranteed 
issue health insurance. Not all states are like this, so you must find out about your individual state’s laws by contacting your State Department of Insurance (in most states you don’t have this right).
State Guaranteed Health Insurance Plans - Benefits:
- More secure health plan
- Providers cannot exclude any medical condition
- Preventive care will be covered at no-cost
- All customers who want to purchase the insurance must be accepted no matter the pre-existing condition they have.
Pre-existing condition health insurance plans gives its users huge benefits – providers are not able to exclude any doctors or hospital, so you do not have to find a new doctor if you are happy with your existing one. Plus, anyone who applies for this type of insurance must be accepted, with or without a pre-existing condition.
PCIP Guaranteed Issue Health Insurance - Benefits:
- Check-Ups
- Wellness Test
- Preventive Care is 100 Percent Free
- Diagnostic Studies and X- ray
- Hospital Coverage
- A Medication Card
PCIP guaranteed issue health insurance includes a wellness visit and up to $170 per office visit is covered. This can be done up to seven times. On five days of diagnostics, $400 is covered per day. On the first day hospitalized, an extra $2000 is given. $1000 is provided on the consecutive days up to the 100th day.
If placed on the ICU, $4000 may be provided for the first 35 days of stay. You also receive surgery benefits and generic medications at just a $10 copay from the insurance, up to $7,500 yearly.
Pre-Existing Condition Insurance Plan
The Pre-Existing Condition Insurance Plan makes health insurance available to people who have had a problem getting insurance due to a pre-existing condition, this is the #1 reason for people buying guaranteed issue health insurance. Health plan
administered by the U.S. Department of Health and Human Services or by your state.
Affordable Health Insurance – Is That a Distant Dream?
The dream of an affordable health insurance ends with guaranteed health issue insurance. There are a lot of plans to choose from that are very specific to your needs, that is why it has reduced costs while still providing you of the health care coverage you need.
Also, we take into account your income, family size and other issues before we recommend only the best plan for your purchase. Definitely, the service guaranteed health issue insurance provides you with the best choice to ensure not only contentment of having the insurance but also to the sense of security and continued support.
{ 11 comments… read them below or add one }
This sounds great, but is it for anyone? My husband and I have not had health insurance for awhile now because we are self employed and can’t afford it but if this is for everyone no matter what I think this would help us a great deal. Do you think it is going to be a fight though to get the insurance company to pay the bills, are they going to fight with you on evey turn or just take care of it? How do I find out more information and when will it be available to sign up for?
See http://www.pciplan.com for info on the plan – It’s specifically meant for people with pre-existing conditions and is surprisingly affordable.
When will this be available? Is this the same plan that everyone was having a fit over after the elections? I don’t see anything that bad in the plan it sounds like it will be very helpful, unless they try to tell you what you can and can’t be treated for, then I don’t think it will be that great. I don’t want to be told I can’t have a procedure done because I am too old. It also sounds very affordable, I looked into health insurance not to long ago and they wanted like $1000 some odd dollars a month for family coverage, to me that is outrageous. We need all the help we can get with health coverage these days. Thanks for posting this information.
I was reading your post on Guaranteed Issue Health Insurance and I couldn’t help but notice that the only mention of prescriptions was the mention of a medication card with a copay of ten dollars for generics, I have to take a lot of medication that doesn’t have generic yet, can you tell me how it will cover those? Will they be full cost or a copay like the generics? And on the generics medication is it only for the medication directly linked to the surgery or is this for any medication prescribed to you?
Is this the government medical reform act insurance that doesn’t take effect until 2014? This sounds like a great plan and I really like the fact that they take into account your family’s income to find you the plan that fits the best. I wonder if they take into account the number of visits to a doctor in the years past etc. in order to make that best fit as well? I hope that this will cover everyone and not just those people with pre-existing conditions. Why is it that the people that don’t use their insurance a whole lot in a calendar year don’t get any of the benefits that people that use it a lot do? Eventually everyone is going to need it at some point in time.
Great job giving all this information on the Guaranteed Health Issue Insurance, in one of the paragraphs it states that anyone who applies has to be accepted, pre-existing condition or not. Is this true? I thought it was just for pre-existing condition patients. I am going to go to the site http://www.pciplan.com as suggested by Ben and do some more research. If it is true it would be great, because I do not have any pre-existing conditions but I don’t feel comfortable not having some kind of health insurance just in case. Great information.
I did some extra research as a commenter suggested they were going to do and I did not find anything that said you had to have a pre-existing condition to be on this insurance. It sounds like to me it will be for everybody, which is some really good information because there are a lot of people out there without jobs that are going to need health insurance. Thank you for letting me know where to look for more information.
This insurance sounds like it is going to be worth it’s weight in gold when it becomes available. Like some of the other readers that left comments though I am concerned about what will happen once they have everybody signed up on this insurance and then at the end of the year they turn them over to private insurance companies. What will happen then, how will they decide who to turn them over to? I don’t want to have my insurance auctioned off to the highest bidder and then have it cancelled because I have health issues or have my premiums go up then because of the company that it was turned over to. If you have any additional information on how this is going to work I am sure there are others out there besides me that would really like to know. Thanks for the information provided.
After reading your blog and the comments below, I have to admit that I am a little concerned as well with what they are going to do with our policies after the year is over. Just because you were guaranteed health insurance with them even if you have issues, does that mean the company that they pass your policy off to has to continue to cover you as well? It would be nice if they would put a freeze on the premiums as well, that way the insurance companies can’t raise the rates on your policy because of the issues.
I have searched untiringly for a plan that I can afford that accepts pre-existing conditions to no avail. I have been turned down for regular insurance 3 x’s and naturally the pre-existing condition has worsened due to lack of medical care. I have a very small indemnity plan that is covered through Cobra. It cost me $162.64 monthly and only has a $3000 surgery benefit, who is going to do a hip replacement for that? I have $1200 daily for hospital and I can get a level 2 dr visit covered ( $70 ) and my prescriptions are covered which is what I basically use it for, it really is terrible to be 58 years old and not have coverage, basically, my plan covers $50 for a mammogram! They cost $250, what good is that? If there really is a guaranteed plan out there that doesn’t cost as much as my house payment I’d like to find it, somewhere around what i pay for this plan, because that is all I can afford living on Worker’s Comp payments! The PCIP is way too expensive and of course lawmakers make so much money the $650+ payments aren’t anything for them, but for a single woman who cannot work who’s house payment is $657 that is a big payment that a regular person cannot afford. Don’t even mention Medicaid because I make way too much to get that, I fall through the cracks and that is the problem with healthcare in America…HUGE CRACKS!
You can always move to a state in which pcip just costs $300 per month – that’s about your only option for somewhat affordable coverage or become an official resident of one of those states.
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