If you have made your way to this web page I am assuming that you are having difficulty obtaining a  health insurance plan. It is a sinking feeling to find yourself without any health coverage, and if an accident or major illness should occur, a quick way to major debt.

Maybe You Are Insurable

You have to understand that the underwriting requirements for health insurance carriers are not always the same. You can be declined from one company and accepted by another.

So, the first thing we need to ascertain is whether you need a guaranteed issue health insurance plan or not. The only way to do this is to call. We have been doing this a very long time and can usually tell you in just a few minutes. Sometimes, we will suggest you apply for a plan and see what happens. Don't worry, it does not count against you.

Guaranteed Issued Mini Medical Plans

We also have a type of plan known as a mini medical plan. This plan has no work requirement and is completely guaranteed issue. No medical questions at all.

The mini-medical plan works just like a major medical with doctor an Rx co pays. The only difference is, it covers a maximum of $20,000 per year. With only a $100 deductible for the hospital, it too can be a good choice.

Using Indemnity Plans

Indemnity or Defined Benefit Plans are insurance plans that pay you fixed amounts based on a schedule of payments. For example, a plan might pay you $1,000 a day for each day you are hospitalized. Or, they might pay you $75 each time you went to the doctor for illness, up to a certain maximum number of visits.  Some even have prescription drug card benefits, dental and vision benefits, as well as disability insurance to cover your paycheck if you become sick or injured.

The links below will take you to some of the many companies we represent for Indemnity Plans.  Please feel free to look around at the different plans available, and call us with any questions you might have.

  Homeland Secure Care

AIM Guaranteed Issue Insurance

While, this is not as good as the unlimited coverage found with a regular health insurance plan, used properly, it could cover 95% of all hospitalizations.

Guaranteed Issue Disability Insurance

That's right, guaranteed issue disability insurance. If you are working, you can get up to $2,000 a month in own-occupation disability coverage. These plans are completely guaranteed issue.

Disability insurance is very important and compliments your health insurance as an asset protection scheme.

Pre-Existing Conditions

If you have had coverage for the prior 12 months, all of your pre-existing conditions are covered from day one. If not, depending on how much prior coverage you have had, you might have to wait up to 12 months.

But, the important point is that you will eventually get everything covered. There are no permanent exclusions and no riders.

Feel Free to give us a call to discuss your options!   You can reach one of our agents by phone Monday - Friday at 256-653-7451 or send us an email at Customerservice@AlabamaInsuranceCenter.com