Guaranteed Issue Policy for Health Insurance
CBK Insurance Services is a leading insurance provider offering specialized services across an extensive range of states in the United States. We understand the unique challenges and needs of traveling professionals and our primary focus is on providing robust health insurance to truck drivers, nurses, and frequent travelers. Our diverse portfolio of health insurance products is tailored to provide comprehensive coverage and peace of mind.
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Guaranteed Issue Policy Benefits
CBK Insurance Services brings to you the Guaranteed Issue Policy, a unique offering in the realm of health insurance. This plan is a fixed indemnity offering, made available without the need for medical underwriting. Where most plans typically require a medical exam, you will qualify for this plan regardless of your health history or pre-existing medical conditions.
Flexibility and Freedom with CBK's Guaranteed Issue Policy
Supplementary Coverage within the ACA Framework
It’s important to know that the Guaranteed Issue Policy is not considered an essential health benefit plan under the Affordable Care Act. Instead, it supplements an essential health plan under which a deductible must first be satisfied every year before benefit payments are eligible to be received. However, the Guaranteed Issue Policy provides first-dollar payments for covered services, offering more coverage and financial security to policyholders.
Guaranteed Initial Rate
With CBK Insurance Services, you can rest assured knowing that your initial rate is guaranteed for the first 12 months, with no extra charges. This means you can budget your expenses more effectively without worrying about unexpected rate increases. The guaranteed initial rate is a testament to our commitment to transparency and customer satisfaction.
24-hour Coverage
Life doesn’t stop, and neither should your insurance. Our guaranteed issue policy offers round-the-clock coverage, ensuring you’re protected whether you’re on or off the job. This is especially beneficial for individuals like truck drivers, nurses, and frequent travelers who may have unconventional work hours.
Portable Coverage
Life is full of changes, and your insurance should be able to keep up. Our guaranteed issue policy is portable, meaning it moves with you if you change jobs or locations. You’re covered whether you’re in Texas or Tennessee, offering you the flexibility you need.
The Guaranteed Issue Policy from CBK Insurance Services offers a comprehensive range of benefits designed to cater to the diverse needs of our customers. From freedom of choice in healthcare providers to 24-hour, portable coverage, this policy is a testament to our commitment to providing reliable, customer-centric insurance solutions.
NOTE: This plan is not considered an essential health benefit plan under the Affordable Care Act (ACA). It is designed to supplement an essential health benefit plan. Guaranteed Issue Plans are not available in all states. Limitations, waiting periods, and exclusions apply. For more information, it is recommended to contact a licensed agent.
Contact CBK for Guaranteed Issue Policy Options
CBK Insurance proudly offers the Guaranteed Issue Policy, a unique insurance plan designed to provide extensive benefits without the necessity for medical underwriting. This policy is a part of our commitment to simplifying health insurance and providing continuous support to our customers across multiple states.
We strive to make the process of obtaining a Guaranteed Issue Policy as straightforward as possible. Our team of professionals is ready to guide you through the process and answer any questions you may have. We serve a wide range of locations in the United States.
Call 210-807-0382 or CLICK HERE to use the simple online form
Frequently Asked Questions
What is a guaranteed issue policy?
How do I qualify for a guaranteed issue policy?
To qualify for a guaranteed issue policy, you simply need to apply. There is no medical exam or health questionnaire to fill out. This makes it a beneficial choice for individuals such as truck drivers, nurses, and frequent travelers who may not have the time for a lengthy application process or may have health conditions that could complicate other insurance applications.
What guaranteed issue policies are available through independent agents?
CBK Insurance Services offers Guaranteed Issue Plans through our network of independent agents. These plans provide first-dollar payments for covered healthcare services without the need to first satisfy a calendar year deductible. The plans utilize a selected network and pay a fixed dollar amount, shown on the schedule of benefits, regardless of whether services are provided in or out of network.
How much is a guaranteed issue policy?
The cost of a guaranteed issue policy can vary depending on a variety of factors. We recommend scheduling a [quick 5-minute call] with one of our licensed agents to get a personalized quote tailored to your specific needs and circumstances.