Some people with a serious pre existing condition want to get an insurer to pay for medical expenses they are certain to incur. However, most people are unable to purchase health insurance because they have a known health problem or what is commonly referred to as a pre existing condition. Health insurers either refuse to cover such people or exclude them from coverage for their existing illness.
A lot of people are often forced toleave the health insurance carrier they're with in search of another due to extremely high premiums. If they do not find a health insurance company willing to accept them or premiums they can afford to pay they are forced to be without health insurance coverage.
Since health insurance companies are in the business of making money, it is not surprising that private insurers refuse the obligation to pay for clearly foreseeable medical expenses. If they charged a fair premium, it would be roughly equal to the future medical expenses plus the cost of administering the policy. People with pre existing medical problems would have nothing to gain by purchasing such insurance. Still, many people face severe financial problems because they have high medical bills and no health insurance.
The major problems most people face in getting medical insurance coverage are affordability and eligibility. Many people can not afford the rising cost of medical insurance. Those that can afford it are often turned down due to their pre existing conditions.
Fortunately, there is Guaranteed Issue Health Insurance. No one is rejected for medical insurance coverage even if you have pre existing conditions. There are no medical questions, no height and weight requirements and no physical exams needed to qualify. In addition, you can choose the medical provider and the plan pays regardless of any other insurance coverage.
Guaranteed issue medical insurance is best for people who can not qualify for or afford other health care plans. This medical insurance plan is usually the choice of those diagnosed with a pre existing condition such as heart disease, heart attack, diabetes, cancer, stroke, liver disease, AIDS, pregnancy, depression and kidney disease.
Guaranteed issue medical insurance plans provide a considerable amount of healthcare coverage. They are affordable and cover most pre existing conditions after 12 months. These plans provide limited benefit health insurance and only pay a defined amount for a medical service or procedure. Usually covered are doctor visits, emergency room visits, hospital charges, surgery, accidental death, etc.