HIPAA Guaranteed Issue Health Insurance Plans
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The plans found on this page offer solutions
for those that have had or may have difficulty obtaining individual health
insurance plans.
HIPAA Guaranteed Issue Plans
These are individual health insurance plans offered to people that have met certain conditions including (you have to meet all these conditions)
You do not have other health insurance (or it will be terminated involuntarily)
You have been insured by creditable coverage for the last 18 months or more with no lapse of coverage for more than 63 days
Your most recent coverage was under a group health plan, a government plan, or a church plan, or an individual plan that terminated due to: the insurer's insolvency, the insurer's discontinuance of all it's individual coverage in Florida; or the fact that you no longer live in a Florida service area of my prior insurer's network plan
Your most recent coverage was not terminated due to nonpayment of premiums, fraud, or intentional misrepresentations
You are not eligible for any coverage under a conversion plan, a group health plan, Medicare or Medicaid
You accepted and exhausted any group continuation of coverage (including COBRA) that was offered to you
Carriers offer two of their individual health insurance plans only. A person must apply within 63 days of their group plan ending. It is best to apply before the group plan ends. The HIPAA plan starts the day after the group plan ends either way. HIPAA plans must accept qualified people without exclusion riders. Because the carriers must accept qualified people, they can charge 200% of the standard rate. Please contact me, John K Arnold to discuss.
For Non US Citizen Residents and US Citizens Citizens or Residents that do not have insurance, Medicaid, Medicare or state high risk pool coverage.
Econolabs is a medical referral program that can offer discounts on medical lab services with major national labs. This is due to the high volume of business they bring to the labs. You provide the prescription to them and they will quote you the price for the lab tests. You can then decide if you want to proceed. They also have an in house doctor that can work with you.
Medical
Discounts Direct is a medical referral service so each situation is evaluated
individually. They only work with board certified surgeons and accredited
facilities, which includes hospitals and/or
outpatient surgery centers. The process for your
finding out the details on
Medical services is that you submit a Patient Confidential Medical History Form.
That will be emailed to you when your request is received. You make a request
from either the
Request
Information button or
email
contact@medicaldiscountsdirect.com. The form is then submitted to doctors
and medical providers that fit your needs. Your situation is evaluated by the
medical providers and a Global rate is determined. You will receive that information.
Neither Medical Discounts Direct
nor Econolabs are a discount card, insurance plan or program, government program,
Preferred Provider Network or association. They are Medical Referral
Services that have much better rates because of the volume of business they
refer to the Medical Providers. There is no cost or obligation to check
out your situation to see if it works for you.
It is important to note that medical referral programs are not insurance plans. Medical Discounts Direct and Econolabs help people with no insurance or high deductibles obtain lower cost medical procedures and lab tests. Prices for services are negotiated and the price quoted to you. These are referral programs to medical providers and due to the volume of referrals they can get you lower rates.
This is available to anyone both US and non US citizens. For immediate details click on the button Medical Discounts and for labs click Save On Lab Tests here or in Contents on the left.
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John K. Arnold
Florida Health Insurance
Group, Employee Benefits & Individual Health Insurance Specialist
Website Address www.floridahealthinsurance.com
E-Mail: John K Arnold
Phone: 407-592-0311
Fax: 407-386-7053
If outside the US, it is best to e-mail as we can respond more quickly.
Thanks.
Let me know how I can help you.
