Many people work for employers who provide medical insurance. This is a good thing, because getting medical insurance can be difficult, especially for those of us who have medical conditions or who are too short for our weight!
Individual major medical is available, but often only to those with good health. And I can help any of you get the best value in this area, you have only to ask.
But what about those who do not fit this description, who are too short for their weight, or have medical conditions, … what then?
Click on my little button marked AIM – and you will see described a very good limited benefit medical plan that almost anyone can get. Although this is not major medical, but a limited benefit medical plan (a legal description) — it is a very good one.
The best of the plans has excellent daily hospital rates with no limit on surgeries. They re-reimburse based on the medicare schedule (this has nothing to do with Medicare – they simply use their schedule) so it should not be difficult to find either a surgeon or hospital who will accept it. It has a very good network, with lots of providers (but check this out for your area).
And here is the best part … HIPPA compliant. Now that may not mean anything to you. Here is what it means for you in practical terms. These policies have pre-existing clause. This means for one year, they will not pay for something that falls under a pre-existing condion classification. But that is waived, month for month, if there is prior coverage. For instance, you had group coverage and to conitinue it privately is just too expensive. This plan will give credit for the other plan, so assuming you had it the past year, this in effect means that there is no pre-exisiting to worry about. (Since each case could be different, ask).
And the same goes if you have this plan, and then are able to buy an individual major medical. A certificate for credible coverage is provided.
Good rates, and good benefits … and enrolling is simply. Just push the button to get rates and an application. (But be sure and call me if you have questions. I am here to help).
Michael Myers
