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MR. MIP brochure, handbook and Application Revision 1/1/2008 This is GUARANTEED COVERAGE for Pre-Existing Conditions!
This page and information is here as a Public Service (Leviticus 19:9). as are not paid by Mr. Mip. anything near what it costs us to take the time to properly explain or enroll anyone in their program. The brochure above pretty much explains everything you need to know. Of course you can call Mr. Mip directly or ask another agent.
If you want our help in discussing this program, there is a $100/hour consultation fee which you may pay in 15 minute increments. If you want us to process your application to the best of our ability that would be an additional $100, which would include service work for as long as you have Mr. Mip. Mr. Mip does not require you to pay this fee - see page 4 of their brochure & application - on the other hand, they don't require licensed agents to offer their time to help people enroll. You may contact them directly. We will waive the fee if you or a family member have or get other coverage with us.
MR. MIP is a California State Sponsored GUARANTEED ISSUE Plan - partially funded by Tobacco Tax and GUARANTEES coverage to individuals unable to get it through a regular Insurance Company or HMO, it's similar to a High Risk or Assigned Risk Plan for Auto Insurance, but for Medical & Health Insurance.. Space is limited...
Eligibility
 | You must have a denial letter from a Standard Insurance Company to send in with your application. |
| Get a quote & apply ONLINE now, hopefully you can get a standard policy. |
| You cannot be eligible to purchase any health insurance for continuation of benefits under COBRA or Cal COBRA. (COBRA and Cal COBRA refer to the federal and state laws giving people under certain circumstances the right to continue coverage in an employee health plan for a limited time.) If you have COBRA or Cal COBRA you may apply for deferred enrollment. |
| You must be unable to secure adequate coverage. This can be demonstrated in any of three ways: You have been offered, in the previous 12 months, an individual, not a group, health insurance premium in excess of the MRMIP subscriber contribution amount Click here for other ways to qualify |
| You can't be eligible under a Group Plan 12725.5 |
Coverage For All.org - eligibility calculator
Customer Service Contact Info. Explanatory Info. on CA DOI Website.
CA Insurance Commissioner now posts Underwriting - Pre-Existing Guidelines
Click here for Term Insurance Proposals to add more protection for your loved ones.
Blue Cross MR MIP Evidence of Coverage
Do you have employer group coverage now? If so, these might be better options COBRA? HIPAA Rates
If you're in an employer group of two or more - get a proposal by clicking here Bonifide Employer Groups of 2 or more are Guaranteed Issue under AB 1672 - Insurance Code 10700 for details on how to verify if your company will be considered a Bonafide Group - Click here. We also have a Specialty Product for Self Employed and Small Biz with just ONE Employee - click here to inquire.
A CONSUMER’S GUIDE TO GETTING AND KEEPING HEALTH INSURANCE CA
80% have less than $5K in claims - Page VII 61 Mr. Mip Report Click on screen below to enlarge
Wait(ing) list status for the Major Risk Medical Insurance Program (MRMIP); however, slots are limited. We recommend that you get your application in as soon as possible because when there is a wait list, slots are offered by the first complete applications received.
If you have any additional questions, you may call MRMIP directly at 1-800-289-6574
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Not in CA? Find an Agent
NAHU High-Risk Pools - for ALL States
California Insurance Code on Mr. Mip PART 6.5.
For 29 pages of detail, on how it's funded, and technical stuff click here.
Click here for other Government Sponsored Programs ie Medi-Cal
     Insurance Code §12725.5. (a)
It shall constitute unfair competition ...
for an insurer, an insurance agent
or broker, or an administrator, ... to refer
an individual employee, or his or her dependents,
to the program, or
arrange for an individual employee, or his or her dependents, to
apply to the program,
for the purpose of separating that employee, or
his or her dependents, from
group health coverage provided in
connection with the employee's employment.
(b) ...for
any employer to refer an individual employee,
See page 27 Question 6 of the application
6. I declare that no individual listed on this application was excluded from group health coverage solely for the purpose of being
made eligible for the MRMIP.
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