Guaranteed Issue Texas Health Insurance Plans

Health Insurance With No Medical Declines

If you have been declined for health insurance due to a medical condition, we might be able to help you obtain medical coverage.

If you have made your way to this web page I am assuming that you are having difficulty obtaining a Texas health insurance plan. It is a sinking feeling to find yourself without any coverage.

I receive about 20 to 25 calls a week from individuals who will never obtain health insurance in Texas. They have absolutely no alternative and will be forced to go without health insurance until they are eligible for Medicare.

Fortunately, there are now alternatives. Before we take out the party hats and noisemakers, you need to know who is eligible and what type of plans are available.

We have two different Texas guaranteed issue health plan types.

Mini-Medical -This is a great plan that has no medical questions and no work requirements.

The mini-med is just like a major medical plan with doctor and prescription coverage. The only difference is, it puts caps on how much they will pay out in a year.

For example, a plan might pay out $100 per doctor visit for seven visits per year. The plan does not care what type of doctor it is, why you are going, how much you have to pay, etc. It pays out a flat rate regardless of the circumstances.

The same for hospitalization. It will pay a daily rate of up to $2500 per day for hospitalization. Once again, it does not consider anything other than the fact that you have been hospitalized.

There is a PPO network and if the provider or hospital is in the network you will get the discounted PPO price. However, you can go anywhere you want, in or out of network and receive the same reimbursement.

Click here to see more information on the guaranteed issue mini medical plan.

Major Medical - This is a true major medical plan with unlimited coverage. It has a prescription co-pay card and a number of other benefits. This is a United HealthCare PPO plan with an excellent national PPO network.

This is a group health insurance plan for individuals who are self-employed.

This is a complete major medical plan and better than most plans offered by Fortune 100 corporations. Please look at our Texas Group Health Insurance page for more information.

We also have Guaranteed Issue Disability. These plans have no medical questions at all. All of them can be found at the guaranteed issue health insurance web site

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