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Health Insurance for Special Situations

TA | January 1, 2010

Finding affordable health insurance can be difficult for people with specific medical conditions or other concerns flagged by most heath insurance companies. Most of these individuals who need fast affordable coverage will keep the policy for a year or less. Limited term coverage and limited benefit health insurance are attractive options available at only a fraction of the cost of other health insurance plans. Most low cost health insurance plans exclude certain individuals from eligibility so these potential members find themselves searching the Web to try to find a suitable health insurance plan. Regrettably many wind up enrolling in health plans that are too good to be true, and are really little more than online marketing scams. MedSave.com provides state-by-state resource listings of many low cost / high quality health insurance plans.

This article focuses on a few specialty health insurance plans available in four common types of difficult situations:

  1. Applicant who is overweight, diabetic, has high cholesterol or high blood pressure
  2. Applicant is not a U.S. citizen
  3. Applicant needs insurance coverage for a pre-existing medical condition
  4. Immediate proof of coverage and ID card are required

While there may be more than one insurance company available to cover each situation, this chart is limited to the preferred choice in each situation. Preferences are based on quality of coverage, price and ease of online application. In some cases no suitable health insurance carrier is available. Each of the companies listed has established a reputation for providing quality service and secure online enrollment. Most of these policies have a maximum length of coverage per policy, but you may re-enroll for another policy (except in CO, GA, and MN) to continue coverage for longer period of time.

A few notes about using the products referred to in this table: HPA uses an online pricing system that redirects some users to less expensive coverage that might not offer as liberal eligibility standards. If this happens, it will be necessary to contact the benefit enroller or use a mail-in application. Basic Health Insurance, as the name implies, provides only limited benefits and is intended as supplemental coverage. Whenever possible, it is wise to combine this with other insurance. Core Health Insurance is also a limited benefit plan.

In addition to these options, each state has at least one open enrollment health plan available to all residents. Information is available through the state insurance department. (Contact information is available for each state at MedSave.com state listings page). This state-mandated open enrollment plan might be very expensive so it makes sense to exhaust all other possibilities first. These state-mandated open enrollment insurance plans are not available on the Internet, so a telephone call or personal visit will be required to obtain enrollment information. Many of these open enrollment plans are handled through local Blue Cross / Blue Shield Associations.

MedSave.com Specialty Product Availability Chart

State of Residence

Coverage for Pre-existing Conditions

Previously Declined for Coverage

Non-insulin diabetic, high cholesterol, high blood pressure

Non-US citizen

Need ID card Immediately

AK

Basic Health Insurance1 and Core Health Insurance4

HPA3

Celtic Insurance or Inbound Immigrant

HPA

AL

Basic Health Insurance and Core Health Insurance

Celtic2

HPA

Celtic Insurance or Inbound Immigrant

HPA

AR

 

Core Health Insurance

Celtic

HPA

Amigo Medical, or Celtic Insurance or Inbound Immigrant

HPA

AZ

Basic Health Insurance and Core Health Insurance

Celtic

HPA

Amigo Medical, orCeltic Insurance or Inbound Immigrant

HPA

CA

Core Health Insurance

Celtic

HPA

Celtic Insurance or Inbound Immigrant

HPA

CO


Core Health Insurance

HPA

Celtic Insurance or Inbound Immigrant

HPA

CT

Celtic

HPA

Celtic Insurance or Inbound Immigrant

HPA

DC

Basic Health Insurance and Core Health Insurance

Celtic

HPA

Amigo Medical, or Celtic Insurance or Inbound Immigrant

HPA

DE

Basic Health Insurance and Core Health Insurance

Celtic

HPA

Celtic Insurance or Inbound Immigrant

HPA

FL

Core Health Insurance

Celtic

HPA

Celtic Insurance or Inbound Immigrant

HPA

GA

Basic Health Insurance and Core Health Insurance

Celtic

HPA

Celtic Insurance or Inbound Immigrant

HPA

HI

Basic Health Insurance and Core Health Insurance

HPA

Celtic Insurance or Inbound Immigrant

HPA

IA

Basic Health Insurance and Core Health Insurance

Celtic

HPA

HPA

HPA

ID


Core Health Insurance

Celtic

HPA

Celtic Insurance or Inbound Immigrant

HPA

IL

Basic Health Insurance and Core Health Insurance

Celtic

HPA

Amigo Medical, or Celtic Insurance or Inbound Immigrant

HPA

IN

Basic Health Insurance and Core Health Insurance

Celtic

HPA

Celtic Insurance or Inbound Immigrant

HPA

KS

Celtic

HPA

Celtic Insurance or Inbound Immigrant

HPA

KY

Basic Health Insuranceand Core Health Insurance

HPA

Celtic Insurance or Inbound Immigrant

HPA

LA


Core Health Insurance

Celtic

HPA

Amigo Medical, or Celtic Insurance or Inbound Immigrant

HPA

MA

Core Health Insurance

Inbound Immigrant

MD

Celtic Insurance

Celtic Insurance or Inbound Immigrant

ME

Core Health Insurance

HPA

Celtic Insurance or Inbound Immigrant

HPA

MI

Basic Health Insurance and Core Health Insurance

Celtic

HPA

Amigo Medical, or Celtic Insurance or Inbound Immigrant

HPA

MN

Core Health Insurance

HPA

Celtic Insurance or Inbound Immigrant

HPA

MO

Basic Health Insurance

Celtic

HPA

Amigo Medical, or Celtic Insurance or Inbound Immigrant

HPA

MS

Basic Health Insurance and Core Health Insurance

Celtic

HPA

Celtic Insurance or Inbound Immigrant

HPA

MT

Basic Health Insurance and Core Health Insurance

Celtic

HPA

Celtic Insurance or Inbound Immigrant

HPA

NC

Core Health Insurance

Celtic

HPA

Amigo Medical, or Celtic Insurance or Inbound Immigrant

HPA

ND

Basic Health Insurance and Core Health Insurance

HPA

Celtic Insurance or Inbound Immigrant

HPA

NE

Basic Health Insurance and Core Health Insurance

Celtic

HPA

Celtic Insurance or Inbound Immigrant

HPA

NJ

Inbound Immigrant

NH

Core Health Insurance

HPA

Celtic Insurance or Inbound Immigrant

HPA

NM

Core Health Insurance

Celtic

HPA

Celtic Insurance or Inbound Immigrant

HPA

NV

Celtic

HPA

Celtic Insurance

HPA

NY

Inbound Immigrant

OK

Basic Health Insurance

Celtic

HPA

Celtic Insurance or Inbound Immigrant

HPA

OH

 

Core Health Insurance

Celtic

HPA

Amigo Medical, or Celtic Insurance or Inbound Immigrant

HPA

OR

HPA

Celtic Insurance or Inbound Immigrant

HPA

PA

Basic Health Insurance and Core Health Insurance

Celtic

HPA

Amigo Medical, or Celtic Insurance or Inbound Immigrant

HPA

RI

Basic Health Insurance and Core Health Insurance

HPA

Celtic Insurance or Inbound Immigrant

HPA

SC

Basic Health Insurance and Core Health Insurance

Celtic

HPA

Amigo Medical, or Celtic Insurance or Inbound Immigrant

HPA

SD

Core Health Insurance

HPA

Celtic Insurance or Inbound Immigrant

HPA

TN

Core Health Insurance

Celtic

HPA

Celtic Insurance or Inbound Immigrant

HPA

TX

Core Health Insurance

Celtic

HPA

Amigo Medical, or Celtic Insurance or Inbound Immigrant

HPA

UT

Core Health Insurance

HPA

Celtic Insurance or Inbound Immigrant

HPA

VA

Core Health Insurance

Celtic

HPA

Celtic Insurance or Inbound Immigrant

HPA

VT

Inbound Immigrant

WA

HPA

Celtic Insurance or Inbound Immigrant

HPA

WI

Core Health Insurance

Celtic

HPA

Celtic Insurance or Inbound Immigrant

HPA

WV

Core Health Insurance

Celtic

HPA

Celtic Insurance or Inbound Immigrant

HPA

WY

Core Health Insurance

Celtic

HPA

Celtic Insurance or Inbound Immigrant

HPA


A red block indicates that no suitable coverage is available.

Footnotes:

1 Basic Health Insurance covers all pre-exiting conditions after 6 months.

2 Celtic Insurance does not allow re-enrollment but a second option is available through HPA. This plan allows enrollment to those who have been previously been declined for health insurance as long as the decline was not within the past 12 months.

3 All insurance plans issued online by Health Plan Administrators, Inc. allow immediate printing of the ID card at the time of online enrollment

4Core Health Insurance has a 12 month waiting period for pre-existing conditions. This only applies to Hospitalization (including first day admission, Semi-private room and board, and ICU/CCU), Surgery, and Anesthesia. There is a 30 day wait period for sickness coverage.

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