Solutions to Losing Cobra

When individuals or families are about to lose their COBRA coverage, finding a solution to getting Major Medical coverage for you or your family can be difficult and generally frustrating.

Cobra Help Center has the Solution to losing Cobra coverage when you have a pre-existing medical condition.

It’s simply a matter of understanding the rules. Cobra Help Center founded and developed the only process today that Guarantees the issuance of a Comprehensive Major Medical plan with no exclusions, waiting periods for pre-existing medical conditions, in any state.

You need to also understand that if you are denied coverage, you can be a tremendous financial risk from medical costs and claims that can devastate your financial situation. When you or a family member has a pre-existing medical condition, finding a plan that will cover those pre-existing medical conditions can be impossible when you go through agents or brokers, because they generally do not understand or know the rules or details of Medical Insurance underwriting.

Another reason why agents or brokers for insurance carriers can’t help you when you need Major Medical coverage and have a pre-existing medical condition is just a matter of simple economics. Agents and brokers are paid by the insurance carrier to find healthy people who will have little or no current and future medical claims. Another way to think of it is that agents and brokers serve the master that pays them.

The Cobra Help Center solution is client focused because we do not function as an agent or broker for any insurance company or carrier. Cobra Help Center's staff work for our clients directly.

Cobra Help Center is the leading expert in obtaining Guaranteed Issuance Major Medical plans for all 50 states and we understand the broad range of differences insurance underwriting guidelines in all 50 states .

Our solutions to your medical coverage needs are based in the actual underwriting rules that allow insurance carriers to deny coverage to anyone who applies for Major Medical Coverage. We apply and enforce the very rules the carrier used to deny you in order to “Force Place” you and guarantee issue a comprehensive Major Medical plan with no pre-existing conditions or exclusions for you.

You will have full comprehensive Major Medical coverage from the effective date of your plan you obtained through Cobra Help Center.

Keep in mind that when you apply for Major Medical Coverage through an insurance carrier, agent or broker, they will underwrite your medical conditions. The reason for that is to “eliminate” the “Adverse Selection” of medical conditions that will incur current or potential future claims. Keep sight of the fact that Insurance carriers are in the business of collecting premiums and building cash reserves, not paying claims. However, all insurance companies will pay any legitimate claim incurred by an insured person within the Major Medical contract's terms and conditions. That is why it is important to understand that Insurance Carriers work by contract and based on that contract's terms and conditions is how they will accept or deny any application for coverage.

Therefore, the first thing to understand is the application process, and depending on the state in which you reside, is what will happen when you apply for Major Medical coverage. When you apply for Major Medical Coverage after coming off of your COBRA plan, the rules are different then if you applied for individual medical coverage. There are only three possible results that will happen from any application.

“The Standard Acceptance Result”

Here, the carrier will accept you as standard risk and issue a policy to you at a standard premium. This is what everyone wants, but very few actually get, because who hasn’t been treated for some medical condition in the last 10 years. Even something simple like acne can be considered a pre-existing condition.

“The Modified Standard Acceptance Result”

Here, the carrier will modify your application and either exclude a pre-existing condition or raise your premium by as much as 175% over the standard premium, or do both. This will leave you insured, but most likely exclude the medical conditions that you want the Major Medical Coverage for in the first place.

“The Denied Acceptance Result”

Here, the carrier will deny you coverage because your pre-existing medical conditions pose too much of a perceived risk or claims potential and the carrier will deny your application. This will leave you uninsured and in grave financial peril. This is the one result that everyone fears and will be told by agent's and brokers that there is no other option but to go “uninsured” or get a job that has medical benefits and hope you get taken during “Open Enrollment”.

This can be thought of as the “accept, modify or deny” scenario for your application and it is really the only thing that will happen for all applications for Major Medical insurance coverage in most states with a few exception states like New York or Massachusetts.

The Cobra Help Center solution to the “accept, modify or deny” scenario problem is simply to apply for Major Medical insurance coverage without the use of any medical questions. We are able to do this because we understand and are experts in the field of Medical insurance underwriting and can force insurance carriers to insure individuals without the use of a medical questionnaire. We simply need to prove you are a resident of the state which you are applying for Major Medical insurance coverage.

When applicants follow the Cobra Help Center guidelines, they will have a Comprehensive Major Medical plan issued with No pre-existing conditions, No waiting periods, No modifications and No exclusions.

The Cobra Help Center process is based on solid underwriting rules that cannot be used or manipulated by the carrier, agents or brokers to deny you coverage.

That’s why Cobra Help Center is the leader in issuance of Guaranteed Major Medical Plans that have NO Pre-Existing Condition, Waiting Periods, Reduced Benefits or Exclusions in the country today.

To speak with one of our underwriters call 866-439-0964 ext 10 or Click Here to submit your request.