Amigo
Available in: AL, AK, AR, AZ, CA, CO, DE, FL, DC, IA, IL, IN, KY, LA, ME, MI, MO, MS, NE, NH, NV, NM, NC, OH, OK, OR, PA, RI, SC, SD, TX, UT, VA, WV, WI, WY.
• Urgent Care Center $50 copay, not subject to deductible!
(does not apply to emergency room treatment at a hospital - which is subject to deductible)
• Application does not ask for prior U.S. residency or for a Social Security number.
• In the application, the question "Been denied insurance due to any health reasons for a condition that is still present... " limits the disqualifying extent of prior denials.
Read the "Review Coverage" summary before applying because certain procedures are not covered e.g., total or partial hysterectomy, unless it is medically necessary due to a diagnosis of carcinoma, tonsillectomy, adenoidectomy, sinus surgery, etc.
Insurer: HCC Life Insurance Company rated A+ (Superior) by A.M. Best (checked 4-2009).
AAIC — Horizons
Available in: AK, AR, AZ, CO, DE, DC, FL, GA, IL, IA, IN, KY, MD, MI, MO, MT, NC, ND, NE, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WI, WV AND WY.
• There is no question in the application that refers to prior denial for insurance for health reasons.
• Optional accident rider (designed to reduce your out-of-pocket cost for treatment of accidental injury).
Insurer: American Alternative Insurance Company rated A- (Excellent) by A.M. Best (checked 4-2009).
Assurant Health® maximum benefit $2 million
Available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MI, MN, MS, MO, MT, NE, NV, NH, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, UT, TX, UT, VA, WV, WI, WY.
• In the application, the question "... been denied insurance due to any health reasons that are still present?" limits the disqualifying extent of prior denials.
• Optional riders - Accident Medical Expense (designed to reduce your out-of-pocket cost for treatment of accidental injury), Dental-Vision Savings, and Term Life Insurance
Insurer: Assurant Health is the brand name for products underwritten and issued by Time Insurance Company rated A- (Excellent) by A.M. Best (checked 4-2009).
Assurant Health® - HEALTHSAVERsm
This plan has a lifetime maximum benefit of $100,000 which allows it to have a premium approximately 28% lower than the Assurant plan in the box above.
Available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MI, MN, MS, MO, MT, NE, NV, NH, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, UT, TX, UT, VA, WV, WI, WY.
• In the application, the question "... been denied insurance due to any health reasons that are still present?" limits the disqualifying extent of prior denials.
• Optional Dental-Vision Savings rider
Insurer: Assurant Health is the brand name for products underwritten and issued by Time Insurance Company rated A- (Excellent) by A.M. Best (checked 4-2009).
HPA — Secure STM
Available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, UT, VA, WV, WI, WY.
• In the application, the question "Has any person applying for coverage been declined for health insurance for a condition that is still present?", limits the disqualifying extent of prior denials. The application requires 12 months of legal U.S residency.
Read the coverage limitations (look for the link on the quote page). Items not covered may include: Participation in school or organized competitive sports or any high risk sport, over-the-counter medications and prescription drugs, surgeries such as hysterectomy (except for carcinoma), tonsillectomy, mental or nervous disorders, etc.
Prescription coverage is offered as a separate purchase.
Pre-existing conditions not covered "includes any condition or complication that was treated or produced symptoms five years prior to your STM effective date" unless limited to a lesser period by state law.
Insurer: Standard Security Life Insurance Company of New York rated A- (Excellent) by A.M. Best (checked 4-2009).
Secure 12X3 STM
Up to 3 years of coverage in the following states: AL, AR, AZ, DE, FL, GA, HI, IA, IL, MO, NE, NM, OH, OK, OR, PA, SC, TN, WI, WY.
• May be ideal for anyone in their 60's needing coverage until Medicare eligibility or for some applicants who cannot currently qualify for a permanent plan but do qualify for this one until permanent coverage is available.
• Optional Supplemental Accident Benefit
• In the application, the question "Has any person applying for coverage been declined for health insurance for a condition that is still present?", limits the disqualifying extent of prior denials. The application requires 12 months of legal U.S residency.
Read the coverage limitations (look for the link on the quote page). Items not covered may include: Participation in school or organized competitive sports or any high risk sport, over-the-counter medications and prescription drugs, surgeries such as hysterectomy (except for carcinoma), tonsillectomy, mental or nervous disorders, etc.
Pre-existing conditions not covered "includes any condition or complication that was treated or produced symptoms five years prior to your STM effective date" unless limited to a lesser period by state law.
Insurer: Standard Security Life Insurance Company of New York rated A- (Excellent) by A.M. Best (checked 4-2009).
Celtic Insurance Company
Available in: AL, AR, AZ, CA, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, LA, MD, MO, MS, NC, NE, NM, NV, OH, OK, PA, TN, TX, VA, WI, WV, WY
• There is no question in the application that refers to prior denial for insurance for health reasons.
• Application requires Social Security number and 2 years U.S. residence.
Insurer: Celtic Insurance Company rated B++ (Good) by A.M. Best (checked 4-2009).
