Underwriting (the process of assessing risk, acceptability for coverage and other factors such as premiums, health condition exclusions from coverage) basically falls into two groups when considering non employer sponsored group health insurnance plans:

1. Underwritten

Plans of this type are geared towards individuals and the self employed who do not have serious prior health conditions. Premium rates can be affected by whether you smoke and other criteria. Some plans may approve coverage though with an exclusion on coverage for specified medical conditions you have been diagnosed with in the past.

2. Guaranteed Issue

Like the title indicates, plans of this type are guaranteed issue, regardless of any past health conditions you may have.

Find out which plan fits your needs by answering the following questions:

• Average height and weight?
• No serious diagnosed health conditons?

An undewritten major medical or catastrophic plan is most likely the best choice. Click here to request a customized quote or speak to one of our Major Medical specialsts by calling 888.271.1865 Extension 107

- OR -

Been diagnosed or received treatment for:

• Diabetes
• Cancer
• High blood pressure not under control or in combination with othner conditions such as high blood pressure, high cholesterol, etc.
• Other serious health conditions
• Applied for health insurance which was not approved or issued with exclusions for pre-existing health conditions?

If this is you, then a Guaranteed Issue plan from Design Benefit Plans is probably your best choice. Contact us today at 888.271.1865 to learn what your options are and get the details you need today!

Got questions about which plans is right for you? Call us at 888.271.1865 and speak to one of our professional health insurance risk specialists to find the plan best suited to your specific needs and budget.