Guaranteed Issue Defined Benefit Health Insurance Plans for Individuals

 The Guarantee Issue sector of the health insurance industry has been rife with fraud for many years. In the past,  several predatory organizations such as Employer's Mutual L.L.C. and others have taken advantage of those who have  been rendered uninsurable by the individual health insurance market leaving behind millions of dollars in unpaid  claims.  Since then many different "discount" insurance plans have popped up offering "coverage" for as little as $69 a  month to  "insure" the entire family. Beware of these products. They are most certainly not insurance products. Read  about them  the in the  September 23rd 2008 Issue of The Tennessean Newspaper

 For the first time in many years there is now a series of legitimate Defined Benefit Health insurance plans  aimhealthplans.com for those who have been rendered uninsurable in the past.  Whilst these plans do not offer the  quality coverage that can be found with a major medical health insurance plan, they are fully insured and underwritten  by American Medical & Life insurance company of New York, New York (www.usamli.com) These plans offer limited  or "Defined" health insurance benefits. They are also the very best "Defined Benefit" health insurance plans on the  market today. However, before considering "Defined Benefit" health insurance, those who are "uninsurable" should  explore their other options first. These are discussed in detail here: www.sbisvcs.com/guaranteedissueblog.htm

If you have been rendered "uninsurable" on the individual major medical market and you do not live in a State that offers a Risk Pool. Or you can not either afford a small group health insurance plan. Or you can not form a corporate structure in order to obtain a small group health insurance plan. Then the "Defined Benefit" health insurance plans discussed below are far better than remaining uninsured. The better of the four plans available is called the "Health Max Plus" plan. It provides an unlimited surgical benefit for inpatient or outpatient surgeries. It also provides up to $4,000 of coverage for the first day of hospital admission and up to $1,000 per day for each day of hospital admission thereafter up to 100 days. Medically necessary diagnostic tests and x-rays performed in a doctor's office or outpatient facility (e.g. MRI, CAT Scan, EKG, Mammography) are also covered up to $400 per visit with a 5 visit allowance per year per insured. Anesthesia is also covered at 25% of the surgeons charges. Accident Medical Expense is also available as an optional benefit. This benefit would provide "first dollar" coverage (no deductible) for Accidental Injuries.

The P.P.O. network is a nationwide P.P.O. network providing access to more than 350,000 medical providers nationwide. You can search for your preferred doctor's or hospitals @ www.multiplan.com There is a 12 month waiting period for all Pre Existing Conditions. However since the plans are fully HIPAA compliant, all insured's who enter the plan presenting a Certificate of Creditable Coverage will receive credit towards satisfying the AIM health plans pre-existing waiting period. In addition, all insured's who leave the plan will receive a Certificate of Creditable Coverage so that they receive credit towards satisfying any pre existing waiting period on any other type of guarantee issue plan (e.g. employer sponsored group health insurance plan). If you are not currently disabled, receiving workers' compensation or on Medicare you are automatically approved! It's as simple as that. There are no other medical underwriting questions on the insurance application. You can even run your own quotes and apply online yourself without an agent by clicking here: aimhealthplans.com There are several plans to choose from, the best plan is the "Health Max Plus" plan. The benefits for this plan are highlighted below:

• American Medical & Life Insurance Company of New York, New York (www.usamli.com)

• Plans provided by the Association for Independent Managers (A.I.M.) Licensed in 50 states and incorporated in 1979.

• All benefits provided on a "first dollar" basis (no deductible or co pays required)

• $1,000 per day covered for the first 100 days of hospital admission

• $2,000 in additional coverage for the first day of hospital admission

• $1,000 in additional coverage for the first 15 days of Intensive Care or Critical Care

• Unlimited inpatient our outpatient Surgical Benefit provided on all plans

• One Routine Preventative Care Visit is covered per insured per calendar year with a $150 allowance for that visit

• Up to 7 outpatient doctor office visits included with the "Health Max Plus" plan with no co pay or deductible required

• Mail order Generic & Brand name medications are also discounted at up to 50%

• Medically necessary diagnostic tests and x-rays performed in a doctor's office or outpatient facility (e.g. MRI, CAT Scan, EKG, Mammography)
  are also covered up to $400 per visit with a 5 visit allowance per year

• 12 month waiting period for Pre Existing conditions unless you have a Certificate of Creditable coverage from another health insurance plan
  showing 18 months of consistent prior coverage with no lapse of more than 63 days

• $5,000 of Critical Illness coverage provided for Primary Insured & Spouse on "Health Max Plus"

• Nationwide P.P.O. network (www.multiplan.com)

To get your guarantee issue medical insurance quote and apply online now please click below or "contact us" for more information.