Health Insurance Alternatives
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They are many types of health insurance alternatives (also know as Limited Benefit or Guarantee Issue) available. These plans provide limited and specified benefits to the insured. If you�ve been turned down for major medical insurance these plans offers you a chance to get some health insurance protection. These are also fair alternatives for people living in states where state-sponsored programs are too expensive or non-existent. Limited benefit plans are typically available regardless of current health status. Usually, there is no underwriting or health questions.
Limited benefit and guarantee issue plans are usually more affordable than major medical. This is because there is a limit on what services and benefits the insurance company will provide. Also, keep in mind most policies have a 6-12 months period in which they will not pay for any expenses relating to your current or pre-existing health conditions.
The plans typically offer discounts when using a PPO doctor, but can be used at any doctor. This plan should only be purchased if you are not eligible for health insurance.
Please visit the links below to search for Limited Benefit or Guarantee Issue plans.
Homeland Health Plans
24 Hour Accident Limited Benefit
Value Med Insurance
Value ER Plan
