Guaranteed Issue Health Insurance: Not A Junk Food Substitute
The stresses of daily life and unhealthy lifestyle have finally taken its toll among the working generation. Even young children, especially when they 
consume a lot of fatty food and all the junk food they can lay their hands on, are not spared from illnesses.
Such that before people can realize it, they are making regular visits to their physicians and are taking their medication to prevent getting sicker and sicker. Availing of a health insurance becomes an imperative decision now to save money.
Obviously, millions of people nowadays are unable to afford the rising cost of medicines and hospital bills that only a health insurance can keep them afloat or else they will continuously incur debts.
But getting one has become an impossible task now because of the presence already of a pre-existing condition that makes them uninsurable. These issues of affordability and eligibility are major roadblocks facing individuals, who are desperate to secure quality healthcare.
Despite these problems, there are always some solutions that one can choose from. There is the guaranteed issue health insurance that you may want to consider if you are unable to obtain the traditional insurance. It is important to note that under the guaranteed issue health insurance, medical plans do not work the same way as traditional plans. Under a regular health insurance, there can be limits on benefits, or some benefits are defined, while other portions of the program may not even be considered insurance.
Thus, it is important that you understand your benefits before you have an illness or injury as a proactive move since it is the best time to decide to read your plan.
The advantage of a guaranteed issue health insurance is that no one is 
turned down for healthcare coverage. It has no medical underwriting, which means that it is a policy that is issued even if you have pre- existing conditions. There are no medical questions, no height or weight requirements and no physical exams needed to qualify for this program. You do not even have to worry about your age or that your family medical history is not impressive.
With a guaranteed issue health insurance, you can even choose your medical provider and the plan pays regardless of any other insurance coverage.
Thus, the ideal candidates for this are 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 since they will not be worried anymore if their insurance company will pay their bill or not.
Under the Health Insurance Portability and Accountability Act of 1996 (HIPAA), it determined that health insurance carriers may or may not provide guaranteed health insurance to clients with pre-existing conditions.
HIPAA defines pre-existing conditions as a physical or mental condition for which medical advice diagnosis care or treatment was recommended or received within six months period ending on the enrollment date.
For those who are worried of the excessive fees, a guaranteed issue health insurance offers a wide range of premiums depending upon the type of plan selected and if the coverage will be for an individual, a couple or for the entire family.