This Area is for people that cannot obtain or afford traditional medical insurance:

Many people find themselves unable to get or afford traditional health insurance due to financial, existing and/or previous medical conditions. . We believe that traditional insurance is a better idea than any of these plans, but that may not be available to you. For those people we offer and suggest four options to choose from. Not all options are available to each person.

• If you are a Student- - For College and Grad Students to age 64 - Fortis offers a student major medical plan with no health questions. You must be enrolled and take at least 9 hours with an accredited college. There is a preexisting condition clause of 12 months. To see the plan, get a quote, or apply online, click here.
  • Pro: Ease to get, low cost, can keep after graduation.
  • Con: No Rx coverage.
    
    
• Can't afford traditional coverage- There is no good time to be uninsured, but today, it's not reasonable to have nothing. If your choice is paying your bills to live, or having insurance, a reasonable person chooses to not to be insured. For those people we offer a discount card that can save you 40% or more on hospital and/or physician charges. By having this card, you get reduced pricing from nearly 500,000 providers for about $30 per month. The Careington TotalCare plan offers discounted care on medical, dental and vision from preferred providers. It is not necessary to purchase these discount plans if you already have insurance. You can see benefits or apply online by Clicking here.
  • Pro: If you have no insurance, this is a must have, Ease to get, low cost, no preexisting conditions.
  • Con: This is not insurance.
    
    
• Can't get traditional insurance because of medical history - We now offer a very unique insurance plan that we can offer to most people regardless of medical history.
  The MIRAMAR plan, a hospital/surgical plan combines an indemnity insurance plan that pays a fixed schedule of benefits for hospital stays, office visits, ER visits, surgery, intensive care, accidental injury, as well as one of the most progressive drug discount plans available. There are even benefits for maternity. The insurance payments are combined with a PPO discount plan from PHCS, the Careington Dental/vision plan. There is a 12 month preexisting condition clause for any condition mentioned on the application, but that would not apply to any discounts that you are entitled to from the preferred network. The Drug card offers preferred pricing at pharmacies, but the mail order plan, administered in the United States, purchases drugs in Canada. This can save you hundreds of dollars per month alone. For example, 100 tablets of Prilosec is about $120 through the mail order, versus $375 at the pharmacy. The only decline questions are if you are disabled or are HIV+. The plan is fully insured from Assurity Inc., (AM Best rating: A-). No difference in rates based on age, gender or health. Cost is about $150 per month for a single, up to about $360 per month, for a family. Available in most states.
  
  We do not yet have a review of this product online. For more information, call toll free 877-559-8100 x201, or e-mail us at miramar@healthinsure.com. Please mention that you are interested in the MIRAMAR PLAN.
  
  
  • Pro: This is a very unique product for a reasonable price. Combination of scheduled payments and PPO discounts can save you from a major expense. Ease of underwriting. Significant Prescription discounts.
  • Con: Unlike traditional insurance, you do not have a limited, dollar exposure. The plan pays a schedule of benefits.
    
    
• Guarantee issue coverage or assistance via the HIPAA vehicle provided in your State. - Contact your State Department of Insurance. - Each State provides some vehicle for the uninsured those with dread illness or injury to obtain health insurance. Additionally, many states provide assistance, based on Income, for children and/or expectant women. You can click here to go to the Department of Insurance map with links to each department to ask them for information or a quote on the plan available in your state.
  
  
  • Pro: For those coming off COBRA, you are able to get coverage without a preexisting condition if you qualify. Comprehensive benefits. Generally, State subsidized. People with serious, expensive illnesses should consider this FIRST. Children and pregnant women contact your State, First.
  • Con: Cost, ability to qualify.

   

  Information contained within is not a solicitation or offering of insurance and may contain inaccuracies. Please refer to your benefit certificate for specific limitations and exclusions. Offerings of insurance are made based only on submitted applications.