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Get Your Free Insurance Quote Below:Health Insurance for Special Situations
(ContentDesk) June 9, 2004 -- Finding affordable health insurance can be difficult for people with specific medical conditions or other concerns flagged by most heath insurance companies. Most of these individuals who need fast affordable coverage will keep the policy for a year or less. Limited term coverage and limited benefit health insurance are attractive options available at only a fraction of the cost of other health insurance plans. Most low cost health insurance plans exclude certain individuals from eligibility so these potential members find themselves searching the Web to try to find a suitable health insurance plan. Regrettably many wind up enrolling in health plans that are too good to be true, and are really little more than online marketing scams. (Other articles by the author on health plan scams may be found at www.tonynovak.com ). MedSave.com provides state-by-state resource listings of many low cost / high quality health insurance plans. This article focuses on a few specialty health insurance plans available in four common types of difficult situations:1. Applicant who is overweight, diabetic, has high cholesterol or high blood pressure2. Applicant is not a U.S. citizen3. Applicant needs insurance coverage for a pre-existing medical condition4. Immediate proof of coverage and ID card are required While there may be more than one insurance company available to cover each situation, this chart is limited to the preferred choice in each situation. Preferences are based on quality of coverage, price and ease of online application. In some cases no suitable health insurance carrier is available. Each of the companies listed has established a reputation for providing quality service and secure online enrollment. Most of these policies have a maximum length of coverage per policy, but you may re-enroll for another policy (except in CO, GA, and MN) to continue coverage for longer period of time.A few notes about using the products referred to in this table: "Assurant" refers to Assurant Health, formerly known as Fortis Health and John Alden Insurance, the largest U.S. provider of specialty medical insurance. TIG uses an online pricing system that redirects some users to less expensive coverage that might not offer as liberal eligibility standards. If this happens, it will be necessary to contact the benefit enroller or use a mail-in application. Basic Health Insurance, as the name implies, provides only limited benefits. Whenever possible, it is wise to combine this with other insurance.As a last resort, each state has at least open enrollment health plan available to all residents. Information is available through the state insurance department. (Contact information is available for each state at www.MedSave.com). This state-mandated open enrollment plan might be very expensive so it makes sense to exhaust all other possibilities first. These state-mandated open enrollment insurance plans are not available on the Internet, so a telephone call or personal visit will be required to obtain enrollment information. Many of these open enrollment plans are handled through local Blue Cross / Blue Shield Associations. This plan allows enrollment to those who have been previously been declined for health insurance as long as the decline was not within the past 12 months.3 All insurance plans issued online by HPA Inc. including TIG allow immediate printing of the ID card at the time of online enrollment.
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