Getting health insurance is going to be easy for some individuals and hard for others who have certain medical conditions or problems. If you are someone who has been turned down previously for coverage, a pre-existing health condition or for some other reason and you are unable to get insurance, you should look into getting guaranteed health insurance. If you are currently employed, you can start by turning to your employer and ask about the insurance coverage that they offer. If your health insurance company through your employer is not offering coverage for your pre-existing condition(s), you can look at guaranteed health insurance as a different alternative to general health insurance.
The definition of guaranteed health insurance is to permit an individual to obtain health insurance no matter what their age, sex or other factors which are usually considered when obtaining insurance. Depending on the state that you live in, your insurance company is going to look at all areas of your general health. Many employers who have between 2 and 50 employees are defined as a small business and their insurance is different than what a large company of more than a hundred employees would offer their employees. There are some companies in numerous states that offer more than what the federal statute says that they have to offer.
Guaranteed health insurance is great for those individuals who have not been able to obtain insurance by offering them a discount on medical care that they are going to receive. You will be able to use a PPO, HMO and discount services for your health coverage. This means that you will be able to use a doctor that you are familiar with or you will have to use a doctor that the health insurance company has established to be inside of their network. Before you decide on which type of health insurance to go with, ask your doctor who they are signed on with if they are even signed on with any specific insurance companies and if they are, contact that health insurance company first and check if they are listed. When you are contacting them, be sure to find out how much they will allow you to have when being admitted to a hospital for any reason, what they cap you off at when visiting an emergency room or how many office visits that you are entitled to when obtaining their insurance.
The last question should be about previous health conditions. This can be quite extensive in conversations and therefore, should be the last portion of your call. If you don't want to go through the hassle of too many questions when talking with the insurance company, if you do have a pre-existing condition, you may want to ask them first if they cover them and if they do, how long it is before you can receive care on that condition, and in many cases, it's going to be a year before they will cover any expenses on it. Unless, you have not been seen by a doctor in a term of 2 years prior to establishing health coverage, however, you are going to have to prove this before you are able to get any care on it. This can happen by contacting all your doctors and asking for statements about it. The doctor will be able to give you a letter to show your insurance company that you have not received care for your pre-existing condition.