Guaranteed Issue Health Plans

Finding affordable health insurance or any health insurance at all can be difficult for people with specific medical conditions or other concerns flagged by most health insurance companies. Most of the people I speak with who don't qualify for traditional health insurance need fast, affordable coverage. 

What I recommend they get is a limited benefit guaranteed acceptance indemnity plan that is part insurance and part discounts. This is NOT Health Insurance. It is an Indemnity Plan that actually has both discounted medical care expenses and offers reimbursements according to a point system and the medical procedure performed. The only catch, there is a 12 month waiting period before preexisting conditions are covered.  

Guaranteed Issue Missouri Health Plan, click here!

As stated in their brochure - this is an association plan with an enrollment fee to join and who contracts with various A.M Best rated insurance companies to offer the benefits package. These are Indemnity plan benefits are you are reimbursed directly, but you receive additional discounts if you go their providers.  There is an enrollment fee but all in all these are great benefits to have if you don't have a major medical insurance plan to fall back on.

• Medical Benefits

• Prescription Drug Benefits

• Physician/Hospital Benefits

• Accident/Disability, Dental and Vision Benefits

Physician / Hospital Benefits
This benefit is provided to USA+ members by a group policy issued by an A.M. Best rated insurance company. Certain terms and conditions apply and benefits are subject to the Exclusions and Limitations. A complete description is contained in the Description of Coverage.

Hospital Daily Benefit @ $1,000 Per day
Pays you a daily benefit if you are confined to a hospital for at least 24 hours due to a covered injury or sickness, beginning with the 1st day; and continuing up to 180 days.

Intensive Care Benefits @ $1,000 Per day
Provides a $1,000 daily benefit if you are confined to a hospital's Intensive Care Unit up to a maximum of 14 days per period of confinement.

Surgical Benefit -In-Patient Surgery -- Up to $20,000 per year
Surgical benefit pays up to the amount equal to the unit value listed times the point value as shown in the policy's surgical schedule, when a covered person receives inpatient or outpatient surgery in an approved facility. If more than one surgical procedure is performed at the same time, only one benefit, the largest, will be paid.
 
Doctor Visits Benefits @ $50 per visit
Pays you $50 if a covered person visits a doctor, for other than surgery, due to a covered injury or sickness. Benefits are payable for up to five visits per family, per calendar year.

Emergency Room Visits @ $50 per visit
Pays you $50 if a covered person requires emergency room services due to a covered injury or sickness. Benefits are payable for up to three visits per family, per calendar year.

Lab Work Covered

By using the LabOne Select Card, and directing your lab work to one of their facilities, you get immediate savings of 20-60% of all of the following:

•  Blood Testing (e.g. cholesterol, CBC Panel)

•  Urine testing (urinalysis)

•  Cytology and pathology (e.g. Pap Smears, biopsies)

•  Cultures (e.g. throat cultures)

•  Over 1400 collection facilities

Prescriptions
- $15 co-pay for covered outpatient generic drugs
- $100 Annual deductible per family member
- Receive up to 30% discount on brand name drugs
- $4,000 Annual maximum for each family member
- Limited to a 30 day supply per order

No claim forms to file – The claims history information will be captured by PharmaCare as long as you go to a participating provider and show your ID card. Once the deductible is met, the PharmaCare system will automatically notify the pharmacist that you should just pay your co-pay. Most major pharmacies participate in this program.

Dental - This group insurance plan features 241 covered procedures, and pays up to $1,000 annually less a $50 deductible for preventative services and a $100 deductible per family member for basic and major services, (maximum of 3 deductibles annually). There is no waiting period for preventive and basic services; major services require a 12-month waiting period.

Full freedom of choice allows USA+ Members to use any dentist they choose and be reimbursed according to predetermined benefit amounts for each procedure, or visit one of 55,000 Ameritas participating providers where claims can be submitted by the dentist directly.

Vision - This group insurance benefit features 100% paid annual eye exams for each family member, up to 20% off lenses and frames, up to 25% savings on laser surgery, and 15% discount on contact lens fittings. With 29,000 Vision Service Plan (VSP) providers in the country, there is a VSP provider within 10 miles of 90% of the U.S. population.

Through VSP, there is no paperwork to fill out or claims to file.

•  Free eye exam from a VSP provider once per year per family member!

•  20% discount, on wholesale prices, on lenses, frames, and other hardware

•  Up to 25% discount on laser surgery

Disability - $5,000 Monthly Short Term Disability Benefit $2,500 Monthly for Spouse (Payable up to 6 months)

•  $10,000 Monthly Long Term Disability Benefit $5,000 Monthly for Spouse (Payable up to 10 years) LifeStyle Protector Benefit provides you with income security if you are rendered Permanently Totally Disabled as a result of an accident . Permanent and Total Disability must begin within 90 days of the accident.

•  Short Term Benefits begin with the 1st consecutive month of Short Term Permanent Total Disability following the 6-month Waiting Period.

•  Long Term Benefits begin with the 1st consecutive month of Long Term Permanent Total Disability following the 12-month Waiting Period.
  Return to Home Page