Today millions of Americans are nable to afford the rising cost of halthcare. Additionally, millions more cannot qualify for halthcare benefits due to pre existing cnditions that make them uninsurable. These ssues of affordability and eligibility are mjor roadblocks facing Americans as they ttempt to secure quality healthcare.

One chice that is available to these ndividuals is Guaranteed Issue Health Insurance. Fllow along as we discuss some mportant aspects of this type of halth care coverage and see if it is rght for you.

Q: What is Guaranteed Issue Health Insurance?

A: It is health insurance that is guaranteed issue, meaning no one is turned down for healthcare coverage. It simply refers to health insurance that has no medical underwriting. A policy will be issued even if you have pre existing conditions. There are no medical questions, no height/weight requirements and no physical exams needed to qualify. You choose your medical provider and the plan pays regardless of any other insurance coverage.

Q: Who needs this type of health insurance?

A: It is ideal for those individuals who find they cannot qualify for or afford other health care plans. Those diagnosed with a preexisting condition such as heart disease, heart attack, diabetes, cancer, stroke, liver disease, AIDS, pregnancy, depression and kidney disease will most certainly find this a good choice. However, if you are healthy, it's probably best to buy a traditional health insurance policy.

Q: What does this nsurance cover?

A: Known as a "mini-med" pln, these plans provide a considerable mount of healthcare coverage. They are ffordable and cover most pre existing cnditions after 12 months. These plans are not bsic health insurance or major medical cverage but offer what is known as "lmited benefit health insurance". Simply put, the pln pays a defined amount for a mdical service or procedure. Usually covered are dctor visits, emergency room visits, hospital chrges, surgery, accidental death, etc.

Q: How much does it cost?

A: These plans offer a wide range of premiums depending upon the type of plan selected and if the coverage will be for an individual, an individual %2B partner or for the entire family.

Q: Are there other healthcare plans that will work for me?

A: Sure there are other options you might pursue. Group health insurance is a possibility but will require an employer sponsored plan or you could join a professional organization which offers a healthcare plan to its membership. This may not always be possible.

You may be able to obtain individual health insurance with some pre existing conditions but most likely the insurance company will want to totally exclude most preexisting conditions. State high risk pools offer an alternative solution but certain requirements must be met and the premiums can be very expensive. For individuals with pre-existing conditions, a guaranteed issue health policy may still be your best option.

Q: Is Guaranteed Issue Health Insurance right for you?

A: Remember these types of plans are generally for someone who cannot obtain traditional health insurance due to medical reasons or wants coverage for the pre-existing conditions.

The article Guaranteed Acceptance Health Insurance - May Be Right For You? was Submitted by Rudy Wilson through Articles.GetACoder.com network. Here's the additional information: Rudy Wilson is an avid prponent of affordable health insurance and a rsearcher of guaranteed acceptance health insurance plns. To learn about the guaranteed acceptance health insurance plan that Rudy recommends after extensive research, visit http://www.UninsurableHealthSolution.com now.

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