Texas guaranteed issue health insurance
Texas Medical Insurance Plans
Individual - Group

health insurance with no medical declines

Guaranteed Issue Texas Health Insurance Plans

Health Insurance With No Medical Declines

If you have been declined for health insurance due to a medical condition, we might be able to help you obtain medical coverage.

If you have made your way to this web page I am assuming that you are having difficulty obtaining a Texas health insurance plan. It is a sinking feeling to find yourself without any coverage.

I receive about 20 to 25 calls a week from individuals who will never obtain health insurance in Texas. They have absolutely no alternative and will be forced to go without health insurance until they are eligible for Medicare.

Fortunately, there are now alternatives. Before we take out the party hats and noisemakers, you need to know who is eligible and what type of plans are available.

We have two different types of Texas guaranteed issue health plans:

Limited Benefit Plans -These plans, and we have many of them, use a schedule to determine how much they will pay out.

For example, a plan might pay out $100 per doctor visit for a certain number of visits per year. The plan does not care what type of doctor it is, why you are going, how much you have to pay, etc. It pays out a flat rate regardless of the circumstances.

The same for hospitalization. It will pay a daily rate, depending on the plan of up to $2000 per day for hospitalization. Once again, it does not consider anything other than the fact that you have been hospitalized.

There is a PPO network and if the provider or hospital is in the network you will get the discounted PPO price. However, you can go anywhere you want, in or out of network and receive the same reimbursement.

Click here to see more information on the guaranteed issue mini medical plan.

Guaranteed Issue and Guaranteed Renewable Plans -These are also limited benefit plans but require that you are working at least 30 hours per week. You can be self-employed.

I would say these plans:

- Have the best hospital and surgical coverage of all my plan offerings
- Are the best value and provide the most benefits for the dollar

Unfortunately, they are a little difficult to describe on a website, but we will be putting up new material soon to change that. In the meantime, give me a call and I will explain how they work.

We also have Guaranteed Issue Disability. These plans have no medical questions at all. All of them can be found at the guaranteed issue health insurance web site

Mon - Fri 9 A.M. to 7 P.M. / Saturday 9 A.M. to 2 P.M.

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