Health Insurance and You!

The attached article is a good primer on how to avoid fraud with health insurance.

The problem? Its not completely accurate.

1. It is correct to say that many unscrupulous brokers often position discount cards ad health insurance. This is a scam of the first order.

2. However, there are plans available in the market with simplified issue capabilities – notably Assurant’s Health Access product. There are also guaranteed issue health insurance products from specialty players such as Fairmont. These products are not meant for everyone. But they do allow consumer’s with pre-existing conditions to have some coverage as opposed to none at all and for a good price. A second type of plans — short-term plans also have simplified issue capabilities.

For the most part, consumers ought to be extremely careful about such plans — we only recommend them as a last resort and when a customer fully understands why they are buying a plan with lesser benefits than a major medical plan.

Talk to your licensed health insurance expert.

To your health,
Chini