alternatives to COBRA health insurance

Most people are not aware that there are alternatives to COBRA health insurance plans. COBRA is expensive temporary insurance. Why not explore these alternatives and save money? Our company works with multiple A-Rated carriers and can guarantee acceptance without pre-existing conditions. If you would like to save more than 50% from your COBRA Payment, please call us or fill out our FREE QUOTE FORM. You can apply today and be insured the very same day. We offer affordable health insurance for everyone, including your college students. So if you have a son or daughter in college and you are keeping them on COBRA because you are not aware of your options, please contact us today!

Guaranteed Issue missouri Health Insurance

What is a Guaranteed Issue Health Insurance policy? What does it cover?
There are many people who do not qualify for health insurance because they have pre-existing health conditions (cancer, diabetes, heart conditions, depression, etc.) that disqualify them. Even if a person with one of the conditions listed above qualifies for a health insurance policy, treatment related to his/her pre-existing condition may not be covered in the policy. A guaranteed issue health policy will offer comprehensive health insurance coverage to people in such a predicament.

Some guaranteed issue health insurance policies have an initial period where coverage related to your pre-existing condition is not part of the package. Some policies require a one year waiting period until your pre-existing condition is covered.

Guaranteed issue health insurance policies cover many aspects of medical attention, including inpatient, outpatient, doctor visits, and hospital visits.

Some guaranteed issue policies require that you are employed, but others waive that qualification.

Most guaranteed issue policies are also guaranteed renewable.

Who needs a Guaranteed Issue Health Insurance policy?
This type of policy offers coverage to people who do not typically qualify for health insurance. People with pre-existing health issues (heart disease, cancer, etc.) will find a guaranteed issue health insurance policy helpful.

Who is usually ineligible for Guaranteed Issue Health Insurance policies?
Almost everyone qualifies for this health insurance policy; that’s the beauty of a guaranteed issue policy. People who usually don’t qualify for a health insurance policy because of pre-existing conditions (heart disease, etc.) will most likely qualify for a guaranteed issue health insurance policy.

How much does a Guaranteed Issue Health Insurance Policy cost in relation to other health insurance products?
This product usually comes in a variety of price brackets. Some companies offer it as a deductible program, and others offer it as a co-pay program.

What are some alternatives to Guaranteed Issue Health Insurance?

If you have a pre-existing health condition, there aren’t too many alternative health insurance policies. The main alternative we suggest is this: if you are healthy, buy a health insurance policy. You will be glad you did if you fall seriously ill. Remember, even if you purchase a guaranteed issue policy after you fall ill, coverage for your illness may not kick in until a year later.

Compare St Louis Health Insurance

Select Insurance Group of St Louis Missouri offers more than 150 health insurance plans in St. Louis, which is part of Saint Louis County, Missouri. Health insurance carriers that offer individual st louis insurance, guarantee issue st louis health insurance, and family health insurance plans in St. Louis include Aetna, CUL, Anthem, Coventry, Assurant, and Aetna. visit www.selectinsuranceteam.com to compare details of the health insurance plans available in St. Louis.



Select Insurance Group can help assist you in finding the right st louis health coverage and the appropriate price range. Our company can help assist you in individual, group coverage, guarantee issue coverage, and COBRA. There are also state coverage programs such as MO Health Net (Medicaid), MO Health New for Kids, and the high risk pool. Eligibility requirements vary. If you have any questions, contact us at 855-GET-SELECT (438-7353) EXT 1.



If you are self-employed in the state of Missouri you can apply for the small group plan or guarantee issue health plan. In order to do so you must have at least two employees to qualify for a group plan, be working at least 30 hours a week, and you must be able to provide tax forms and other business documentation among request of the carrier you are applying to if you are pursuing st louis business health insurance coverage. Carriers in Missouri cannot deny you coverage, but you charges will be based on the health history of employees enrolling.



There are several ways to apply for Medicaid in the state of Missouri (MO HealthNet) including being from a low-income family with children under 19, pregnant women, and newborns. If you qualify, you will receive benefits such as preventive care, inpatient hospital care, lab and x-rays, pharmacy, dental/hearing/vision care, and more. To see if you qualify visit http://www.dss.mo.gov/fsd/msmcp.htm.



There is additional support to children in Missouri under the MO Health Net for Kids plan. The program aims to assist children who are Medicaid beneficiaries as well providing low-cost coverage to uninsured children under the age of 19 whose parents’ is too high to qualify them for Medicaid but too low to afford private insurance. In order to qualify you must be uninsured for at least 6 months, have family assets with a net worth of less than $250,000, and not have access to affordable health insurance. To learn more visit http://www.dss.mo.gov/mhk/index.htm.



Missouri’s high risk pool, Missouri Health Insurance Pool, and guarantee issue st louis health insurance, is meant for residents who are medically uninsurable on the individual insurance market due to a preexisting medical condition. Administered by Blue Cross Blue Shield and Blue Shield, MHIP offers similar plans to those who have private insurance plans. If you’d like to learn about the detailed eligibility requirements, plan benefits, and more, you can visit http://www.mhip.org/. If you work at least 30 hours a week you also are guaranteed st louis health insurance coverage through CUL. Plans starting at 89$ a month for an individual




To learn about specific st louis health insurance plans in the St. Louis area, visit our web page at www.selectinsuranceteam.com.

Legitimate Guarantee Issue Individual Missouri health benefits For The Uninsurable

I have been a multi state licensed health and life insurance Broker for 11 years. One of the biggest challenges I've had to deal with through the years has been trying to help the Uninsurable. Unfortunately in most States if you have one of a host of "pre existing" medical conditions you are labeled as "uninsurable" on an individual health insurance policy. This uninsurable status can last for many years and sometimes for life depending on the specific pre existing condition you have been diagnosed with. Some of the pre- existing medical conditions that render an applicant uninsurable for ten years or more are: Heart Attack, Stroke, Diabetes, Cancer, Lupus, Multiple Sclerosis, Muscular Dystrophy, Degenerative Arthritis and a host of other pre existing conditions. In addition, there are applicants who have a combination of controlled pre existing conditions but since they have more than three "ratable conditions" they are also labeled uninsurable.

For example, with many carriers an applicant who has Hypertension and Hyperlipidimia and is also overweight falls under the "3 strikes your out" rule and is labeled uninsurable. Or an applicant may have two of the aforementioned controlled conditions and is not overweight but is a smoker and is then labeled uninsurable also. Or an applicant who has asthma but also smokes falls in to the same uninsurable category with many carriers. These are just a few examples of conditions or "combo conditions" that can render an applicant uninsurable. The question then becomes, what do I do now? Who will insure me against the catastrophic medical bills that I may face in the future? Who will help me pay for the medications I currently am taking to control the aforementioned conditions?

I have just gotten my hands on a Guaranteed issue health insurance plan that is available to people who do not qualify for standard full-coverage major medical insurance, as long as the person works 30+ hours a week. Virtually everyone qualifies because pre-existing conditions or other health related issues such as cancer, diabetes, stroke, heart condition, depression, etc. Guaranteed issue health insurance policies cover many aspects of medical attention, including inpatient, outpatient, doctor visits, and hospital visits. Most guaranteed issue policies are also guaranteed renewable and guaranteed to stay the same on price. Rates are starting as low as 89$ a month for an individual. Did I mention that this coverage will cover you right away if you are planning on getting pregnant and can't wait 18 months for coverage to begin? Call me right away at 1-855-GET-SELECT (438-7353) Ext 1 or go to www.selectinsuranceteam.com or apply direct at http://stephenludwig.mymedquote.com/HomePage.aspx