Frequently Asked Questions

Question:
What if I have a preexisting medical condition?

Answer:

Our representatives are trained to help you find the plan that will best suit your needs, whether it is a plan through us or even through the risk pool put in place by your state.  The state risk pools are put in place for individuals who have preexisting conditions that would prevent them from obtaining regular major medical health insurance.  In instances where an individual is still receiving medically necessary treatment for a condition or illness the state risk pool may be the better option.  While several preexisting conditions are accepted by insurance carriers, some may not be.  We do offer a schedule-of-benefits plan that is guaranteed issue, which means that, after you have been on this policy for 12 months, all of your preexisting conditions will be covered.