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Guaranteed issue is a term used in health insurance to describe a situation where a policy is offered to any eligible applicant without regard to health status. Often this is the result of guaranteed issue statutes regarding how health insurance may be sold, or to provide a means for people with pre-existing conditions the ability to obtain health insurance of some kind.
"Guaranteed issue rights" refers to a time when Medigap insurers can't deny you coverage based on age, gender, health status, or any preexisting conditions outside of the open enrollment period.
Guaranteed issue insurance: Requiring no medical information for approval, premiums are high relative to the coverage amounts offered. Now for the good part, there are a few ways you can help ...
Prior to the Patient Protection and Affordable Care Act, effective from 2014, about 34 states offered guaranteed-issuance risk pools, which enabled individuals who are medically uninsurable through private health insurance to purchase a state-sponsored health insurance plan, usually at higher cost, with high deductibles and possibly lifetime ...
Guaranteed acceptance life insurance, also known as guaranteed issue or final expense insurance, does not require a medical exam or health questionnaire. This type of policy is designed for older ...
Insurance lobbyists in the United States advocate that the mandate is necessary to support guaranteed issue and community rating, which limit underwriting by insurers; insurers propose that the mandate is intended to prevent adverse selection by ensuring healthy individuals purchase insurance and thus broaden the risk pool.