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How To Get Any Health Insurance Plan In The State Of California With Pre-existing Conditions.
By Dennis Alexander
There are over seven million on people that are un-insured in the state of California. Most of them have been declined by multiple insurance companies and gave up on their search in finding health insurance. It seems like it is unfair system if you do not know what is available to you. I you have been declined by one insurance company in the state of California the chances are you will get declined by all of them. Most of the insurance companies use similar underwriting guidelines.
There is a way to get Health Insurance in the state of California without insurance companies even looking at your medical record. There is a way to get a guarantee issue plans from any insurance company of your choice without underwriting. It is also guaranteed that all of the pre-existing conditions and prescription drugs will be covered. It is even guaranteed by the state of California insurance commissioner that you will be guaranteed coverage and all of your pre-existing conditions will be covered, no exceptions… none. You might be thinking, well how much is that kind of coverage going to cost. The answer is not more than what you will be paying for a regular individual medically underwritten plan. If fact in most cases it will probably cost you less.
How can you get coverage like that? It is not simple process and it will require some work on your end. If you a kind of person that complains and procrastinates all the time, chances are you are not going to do anything and you still will be without coverage whining on how evil the insurance company are and that they do not want to insure you. The process is simple and might not be easy for lazy people. In the state of California all the group plans are guarantee issues plans. That means that you are accepted without medical underwriting. To have a group plan started all you need is two or more people. If it is a group of two which could be husband, wife, friends, relatives… and anyone who has a pulse. If it is a group of two one of them can be the owned and the second person in most cases must be on the payroll. That means that person must be W-2 employee. I can hear some of you might be whining that, do I have to do that?... Yes. Like I mentioned before if you are going to whine stop reading this and keep doing
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