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is an independent adviser service offering free online support about any health reform issue. OnlineNavigator is not acting as agent for any qualified health insurance marketplace and is not affiliated with any federal or state programs. This service is available online 24/7 through email and social media sites usually with same day response. See the web site for details on privacy policy and terms of service.


Guaranteed issue insurance

coverage is now available to every American regardless of medical history

Guaranteed issue insurance refers to coverage that is available regardless of your medical history or diagnosis. However, it is important to consider that while a guaranteed issue insurance may be available, some plans restrict payments for pre-existing medical conditions for the first year of the policy. especially if you did not maintain comparable coverage previously.

This type of coverage can be very expensive if not subsidized by a government or employer organization. The U.S. Department of Health and Human Services estimates that the total cost of insurance for those on the Pre-existing Condition Insurance Plans will be about $33,000 per person in 2012. Most of this cost will be paid by the federal government and the cost of insurance to the individual is only about $4,000.

Popular limited benefit plans like Core Health Insurance are guaranteed issue plans that are available at lower cost than major medical insurance. These plans keep the premium costs affordable by eliminating the hospitalization and surgery benefits available for pre-existing medical conditions for the first twelve months of the policy.

Employer-sponsored group health insurance is also available on a guaranteed-issue basis and also excludes early benefits for pre-existing conditions unless the new enrollee shows proof of continuous prior coverage.

Some smaller supplemental accident coverage plans are also available on a guaranteed issue basis like Smart Accident Insurance and Value Benefits 24 Hour Accident plan. Recently added Zurich American Consumer Direct Accident Insurance provides up to $10,000 coverage and is available to everyone in every state for $55 per month.

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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the other commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.