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Until December 31st, 2013, private insurance companies can deny individuals for their health history or current health status. Here are a number of real, quality options for you to explore if you have been denied health insurance because of pre-existing conditions.

High risk pools & health insurance pools
Many states have high risk pools (also called health insurance pools). High risk pools are typically state-funded health insurance programs that offer coverage to individuals who are considered high risk.

Typically, to be eligible for a high risk pool, you must have been denied health insurance for pre-existing conditions from a private insurer in your state.
Denied Health Insurance for Pre-existing Conditions?
Denied Health Insurance for Pre-existing Conditions?
If you aren't sure whether or not your state has a high risk pool and whether or not you would qualify, have a local insurance agent contact you.

Or call 877-648-2539 between 8am and 7pm central time to speak with a licensed agent and get a quote!

Government Programs
Find out if you are eligible for any government programs offered in your state. Speak with a local insurance agent or visit your state's insurance department website to learn about available programs.

Usually, government programs like Medicaid require you to qualify based on income and asset levels. If you qualify for coverage, government plans can be very affordable, or even free. In addition, government plans may offer coverage for any pre-existing conditions you have. Have an insurance agent in your local area contact you to learn out more.

COBRA or Mini-COBRA (State Continuation)
If you're looking for health insurance because your employer has terminated your employment, COBRA or Mini-COBRA (state continuation) may be an excellent option. COBRA is basically the continuation of your previous employer-sponsored plan for between six and eighteen months after your employment termination date. You are responsible for the full premium, or what you were paying while employed plus what your previous employer was paying for your health insurance. The great thing about COBRA and Mini-COBRA is that it is guaranteed issue (you don't have to qualify health-wise) and generally it will coverage pre-existing conditions. Contact your former employer's human resource department to find out if COBRA or mini COBRA are options for you.

Temporary Health Insurance
If you've been denied health insurance for pre-existing conditions, and you know that you'll have coverage options available to you at some point during the next twelve months, it may make sense to explore temporary plans. Even if you haven't been denied health insurance, these can be an excellent short-term solution.

Most temporary plans don't cover pre-existing conditions, and because they don't, they are easier to qualify for than private plans. Some temporary insurance plan applications don't ask health history questions. They are very affordable, but should only be used as a short-term solution. Find out more about these plans. Or call 877-648-2539 between 8am and 7pm central time to speak with a licensed agent and get a quote!

Mini Medical Plans
Although they may not be an ideal comprehensive solution, mini medical plans can be a valuable tool for someone who has been denied health insurance for pre-existing conditions.

Mini medical plans offer limited coverage at a reduced price. Qualifying for a mini medical plan is much easier than qualifying for an individual health plan. This is especially true for people with pre-existing conditions.

The only problem with these plans is that they offer limited benefits. People with mini medical plans often find that they are uncovered for conditions and procedures that they thought they should have been covered for. Mini-medical plans can be a valuable solution if you understand the policy before you purchase the plan. Inquire about a mini-medical plan now.

Supplemental Insurance Plans
Although it may not be an ideal solution, you can protect yourself by purchasing a number of supplemental insurance policies such as; hospital plans, critical illness insurance, accident plans, and cancer plans. Because there are limits on what benefits the plans will pay for this option may not be comprehensive. However, it may provide some needed protection, if you've been denied health insurance for pre-existing conditions and don't have any major medical options. Ask a local insurance agent about this solution by completing this short form.

Other Options
There are other options available to people who've been denied health insurance for pre-existing conditions. Request more free information about these options by filling out this short form, or call 877-648-2539 between 8am and 7pm central time to speak with a licensed agent and get a quote!

Affordable Care Act and Guaranteed Issue in 2014
Because of the enactment of the Affordable Care Act, beginning on January 1st, 2014, health insurance plans will  be guaranteed issue. This means that no individual can be turned down, or denied health insurance due to current health status or health history. Have an agent contact you to discuss how you can stay covered until January 1st, 2014.
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