I need a health insurance plan that “does not medically underwrite”?
myName asked:
I will be denied if applying for normal regular health insurance plan for a injury that requires surgery by a physician.
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I will be denied if applying for normal regular health insurance plan for a injury that requires surgery by a physician.
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There isn’t one.
Well, you would use your SAVINGS ACCOUNT, or you can try a HEALTH DISCOUNT PLAN, but be forewarned, the discount plan is NOT accepted by many providers, and it only gives you a DISCOUNT, so 40% off of a $100,000 bill still leaves you with $60,000 to pay.
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If you are lucky enough to be in one of the states that requires health plans to accept everyone regardless of medical history like NJ you are all set. It is difficult to afford the premiums for individual insurance. You will have a pre existing condition exclusion if you haven’t had health insurance for a greater period than 63 days. If not then you will need to join a group plan they don’t require anything except for filling out an enrollment form.
Good luck.
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You may be able to purchase insurance through your state’s high risk pool.
However, you should be forewarned that in exchange for not going through medical underwriting, you’ll have very high premiums. I’ve seen high risk pool policies in my state (Ohio) that run about $20K in premiums per year, and still have deductibles and coinsurance on top of that.
There are no affordable individual plans that don’t go through medical underwriting. Sorry.
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