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Guaranteed Medical Program

Guaranteed Medical Program: In Sickness And In Health

Getting sick does not only affect you, but your families as well. The financial strain that an illness causes can even trickle down to the next generation just because you opted not to enroll in a guaranteed medical program.

For those who have an existing health plan, it is not a guarantee also that you will be continuously covered. Sometimes, many people enjoy the benefits of an insurance plan because it is provided by their employer.

But such health insurance plans are not guaranteed and can come to an abrupt end with the change or termination of one’s employment status.
There are health insurance companies that would decline to continue any health coverage when there is no counterpart coming from the employer.

However, in this type of medical program, the process of automatic renewal is even protected by Federal law and enforceable as such.

On the other hand, another issue that bothers other possible clients for health insurance plans is because of their pre-existing health conditions such as a heart ailment, cancer and diabetes.

Existing laws permit insurance companies not to cover pre-existing conditions, so that they take advantage of this ruling and they would not offer any real health insurance plan for these sick people.

It is unfortunate that those with pre-existing conditions suffered already physically, emotionally and psychologically that being burdened with the thought and reality of being denied when availing of an ordinary medical program compounds their problems.

Under a real guaranteed medical program, it offers unrestricted access to benefits that is not limited because of the waiting period that is required for members with pre-existing conditions. The health insurance company should even accept cancer patients regardless of the cost of current treatments.

Truly, a guaranteed medical program can save not only a lot of money now but as well as future earnings because it ensures real benefits for the client both in medical discounts as well as financial assistance. This is a viable option for the average person considering the rising health care cost that puts an enormous strain on one's family budget.

However, people should exercise a bit of caution when applying for a guaranteed medical program since there is a seemingly limitless supply of unscrupulous merchants, who try to cash on the ignorance of prospective customers. These merchants promise a lot when asking you to enroll in their plan and would persuade you to sign up immediately. In the end, you will find that such plans are a big hoax in many instances and you end up losing your money.

To avoid getting a faulty guaranteed medical program, you need to verify if the company offering it has the capacity to make real their promises. A real one should provide you with a real insurance backing and necessary health care services in unfortunate circumstances.

Only in preparing ahead that you can protect your family and avoid paying huge medical bills from your own pocket that drains your financial resources. Because these expenses are not reimbursed by any insurer or government entity, it is better to be prepared ahead through a guaranteed medical program.