If your insurance company tells you that you have an un-insurable condition call me at 410-288-0772

Uninsuarable Conditions - FAQ

Q. If I am unable to qualify to receive traditional

health insurance because of an existing medical condition, what are my health insurance options?

A. If you apply for health coverage and you were previously insured by a permanent insurance plan within the last 63 days, if the insurance company denies your application you still have the ability to qualify for a “guaranteed issue” HIPAA plan. Carriers are required by law to offer such plans and usually offer one or two plan options. If you did not have permanent health coverage within the last 63 days you are ineligible for HIPAA coverage. In California your only option then becomes to apply for a guaranteed issue plan through the California Major Risk Medical Insurance Program (MRMIP). Please contact us for addtional information depending on your location.

Q. How long can I remain on a HIPAA or MRMIP plan?

A. You can remain on a HIPAA plan until you qualify for Medicare and you can remain on a MRMIP plan for up to 36 months. After 36 months of continuous enrollment you will have the opportunity to enroll into a guaranteed coverage plan that is required to be offered in the individual health market.

Q. Where can I get more information on guaranteed issue HIPAA plans?

A.  You can get more information on HIPAA plans and coverage by going to the U.S. Department of Labor website at: http://www.dol.gov/dol/topic/health-plans/portability.htm. You may contact us for a prompt, accurate, and courteous reply.