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If you are uninsured due to preexisting medical conditions this medical plan may be helpful. So many
people with uninsurable medical conditions are unable to get health insurance due to pre-existing health conditions. The first place to look for health insurance in this situation is your states
High Risk Insurance Pool.
If you are unable to get into that program due to it's cost or other circumstances the Medical Plan out-
lined here may be the way to give yourself some protection. The plan is affordable and it is not prudent
to go without any medical coverage. This is a hospital confinement / surgical schedule benefit plan.
What does this mean?
With no deductible or copays:
Pays up to $1,000 per day for 365 days per hospital confinement for sickness or injury.
Pays up to $4,000 per day for intensive care confinement 30 days per sickness or injury.
Pays a scheduled amount up to $20,000 for surgery due to sickness or accident.
Pays a schedule expenses $4,000 for administration of anethesia during a covered surgery.
Pays expenses incurred for emergency treatment due to an injury up to $250.
Pays expenses incurred for ambulance services due to sickness or injury up to $500.
That all adds up to a LOT of money to pay medical bills with.
Q & A
Is this a major medical health insurance plan?
No, this is a limited benefit, Hospital / Surgical plan, it is not intended to replace comprehensive major medical health insurance plans.
Does it cover preexisting conditions?
After your policy has been in force for more than 12 months, preexisting conditions are covered.
What is a preexisting condition?
Any condition you have now, or had within a 12 month period, prior to the effective date of coverage
for each insured person.
Is this plan guaranteed issue?
No, but it is a simplified issue plan and most will qualify.
Do rates go up due to age increase?
No
Can I use any doctor or hospital?
Yes, any doctor or hospital of your choice.
Is this plan guaranteed renewable?
Yes, guaranteed renewable to age 75.
How much does it cost and how do I find out if I qualify?
Just fill out this short form or call us at (877) 635-8384 9AM - 5PM MST Monday - Friday
This is a brief summary of benefits and is subject to exclusions, limitations and exceptions set forth
in the certified coverage. See plan details when you receive your certificate of coverage. You may
cancel coverage under this certificate within 30 days of receiving it by returning the certificate to the
insurer. If it is returned for cancellation within the first 30 days your premium paid will be refunded.
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