Medically Uninsurable
If you cannot find a health insurance plan, then you can try ‘mini-meds’ as an alternative. Mini-meds (defined benefit health plans) basically allow absolutely anyone to purchase them, irrespective of their previous medical problems. No underwriting exists and no questions are asked. The catch is that they only pay out set amounts, they do not cover major illnesses and they are generally very limited in what they cover.
Mini-Meds: Benefits
There are no deductibles or co-insurance necessary, ensuring that you get coverage from the first dollar. Mini-meds also give discounts through a PPO for dental and vision needs, as well as prescription drug discounts. You are also not restricted to any preferred providers, instead being able to choose which physician you would like to see.
Mini-meds are in no way complex, with scheduled payments given for inpatient and outpatient costs. You can get a plan that pays a set amount like $1,000, for a certain period of time, like 60 days. If you are between 18 and 65 you are eligible, as are your dependent children until they are 19 or 25 if they happen to be in full-time education.
Pre-existing medical conditions coverage
If you have had previous medical problems, you will have to wait to receive expenses. If you have been in a group plan or one sponsored by an employer, and are able to supply a ‘Certificate of Creditable Coverage’ which states that you have had a minimum of one year’s continuous coverage with a lapse of no more than 63 days, then you could get coverage for pre-existing medical problems instantly.
The majority of health plans are certified by the HIPAA, which means that other carriers can consider them to be ‘creditable coverage’. If you manage to get one of these plans, and later receive group health insurance coverage, then the time taken up on these plans, could count towards the one year period for pre-existing conditions for your new insurance. As there are so many terms and conditions on each health insurance policy, be sure to thoroughly read every aspect of it, to ensure that it provides the health care you are looking for.
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