If you have been turned down for family medical insurance, do not be alarmed, there are options that are available to you. Limited benefit medical plans, also known as Mini-meds are guaranteed-issue health insurance, which means anyone can buy them regardless of pre-existing health conditions.There is no underwriting and no health questions are asked. You can’t be turned down! These plans are not major medical and they are not comprehensive yet they will provide for a good portion of most patient’s medical expenses. There are many types available so make sure you have done your homework and that you know what you are buying.
When looking for a mini-med, make sure it is HIPAA qualified, meaning they can be considered "creditable coverage" by other carriers. If you have one these plans and later get a group insurance plan through an employer, the time on these plans may count toward the 12 month pre-existing waiting period for your new family medical insurance.
