Steve can help you navigate and compare rates and benefits from several companies that offer HIPAA guaranteed issue medical coverage, no questions asked about pre-existing conditions, when your COBRA and / or Cal COBRA end. Steve will answer your questions and get you a policy that will cover any pre-existing conditions that you might have. (§300gg-41, The Health Insurance Portability and Accountability Act of 1996)
Do not wait for your Certificate of Coverage to send us your enrollment forms. Do it this week to make sure you have NO LAPSE IN COVERAGE. The Insurance Companies have become very sticky on effective dates. Blue Cross Request for Info. honoring initial application submission Blue Shield Documentation Required
Steve is paid by the Insurance Companies to help you submit your application. There is no charge to you for his expertise and service. Steve's HIPAA prices, benefits, etc. are the same as any other legally authorized agent or direct with the Insurance Company. The official Company brochures, with the application and rates on file with the Department of Insurance or Managed Health Care are one mouse click away, on THIS website for your review and comparison. The posted rates are for anyone who has exhausted COBRA and qualifies for HIPAA. There are no medical questions asked, so there is no surcharge if your health is really bad.
 
Steve will also help you qualify for preferred underwritten rates, as your pre existing conditions, might not be considered that bad, by Insurance Underwriting Guidelines. Just send us a Pre-Application Form.
 
Did you start a business with 2 or more employees, which can even include your spouse? Do you have a 401k or Retirement Plan to rollover? Group Life Insurance that needs to be continued?
 
Please send us your completed application ASAP via:
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