alabama health insurance
Alabama Guaranteed
Health Insurance
1-800-986-4786
(9AM to 9PM Mon - Fri)

Guaranteed Issue Health Plans
You cannot be turned down for coverage

| Health Insurance Quotes | Home Page| Temporary Insurance | Group Insurance | Contact Us |

We have guaranteed issue health plans for residents in all 50 states

If you have a pre-existing condition, we can cover you. These are Alabama guaranteed issue health insurance plans and not discount or limited benefit plans.

There are two plan designs:

Major Medical This is a full PPO plan. You must be employed at least 20 hours per week to obtain this plan. You may be self-employed, but you will need to be able to document your employment with tax records if asked. However, it will provide complete coverage after the deductible. The issue age is up to 58 but you can hold them until you are 65.

Please be advised that these plan renew each year. If the underwriter raises the rates too much on the plan, we will discontinue them. We cannot guarantee that a substitute will be available. This is not the case with the Defined Benefit plans.
Defined Benefit or Indemnity Plans Up to $2,000 a day hospital coverage with office visit, labs, x-rays, etc. covered from day one with no deductible (if you have had continuous coverage, otherwise, there is up to a 12 month wait for prior conditions).

These are limited benefit medical plans and not major medical. However, if you cannot health insurance, they will provide a significant amount of coverage and full PPO network access.

Up unitl now, many of you could never obtain a "real" Alabama health insurance plan. You were forced to buy prohibitively expensive HIPAA plans or state guaranteed plans, inadequate discount plans or go without health insurance altogether.

We can offer you a viable alternative. Our plans have no medical questions so there are no declines for pre-existing medical problems or weight.

Small Group

If you have a small group (5+ employees), we can offer you plans at dramatically reduced rates. The employees can be full-time, part-time, 1099, W2, etc. It does not even matter if they ever show up for work or earned a commission or paycheck. As long as you list them as working for you, they are eligible. They will be billed individually, so you will not be responsible. I must have 5 applications to start the group.

Go to our guaranteed issue health insurance plan website for full details - just click here.