Illinois Guaranteed-Issue Health Plans

medicare senior quotes

If you've been turned down for major medical insurance you have a new option: a guaranteed-issue plan.

Guaranteed-issue plans, also known as mini-med plans and defined benefit plans, are guaranteed-issue health insurance, which means anyone can buy them regardless of pre-existing health conditions. There is no underwriting and no health questions are asked.

The drawback of these plans is that they have defined limits on coverage and pay set amounts which means. Guaranteed Issue Health Insurance should not be looked at as a replacement for major medical insurance. These are defined benefit plans designed solely for people who aren’t able to obtain traditional major medical plans.

Who needs Guaranteed-Issue Health Plans?

A guaranteed-issue plan is a perfect solution for:

Homeland Guaranteed-Issue Health Plans

Guaranteed Issue Health Insurance for Illinois Residents

Illinois Guaranteed-Issue Health Insurance quote

Our Rating:

Homeland Health Plans offers the best guaranteed-issue health plans on the market today. Their plans are all HIPAA Compliant and considered "creditable coverage", which means pre-existing conditions are covered if there is no break in coverage for longer than 63 days and pre-existing conditions will also be covered (without a waiting period) if you later join a traditional employer plan. Homeland Health Plans utilize America's largest PPO network (Multiplan), with over 500,000 providers, offers impressive savings when network providers are used. To search for physicians and hospitals in the Multiplan network, use the Multplan Provider Finder.

Guaranteed-Issue Plan Benefits

With no deductibles or co-insurance to satisfy, Homeland guaranteed-issue plans provide you with first dollar coverage. Mini-meds typically offer negotiated discounts through a PPO, but can be used at any provider -- see whoever you like, or enjoy greater discounts in-network. For more detailed plan descriptions and benefits information, visit the Homeland website.

Plan Benefits include:

Plan Highlights:

Inpatient Medical Expense Benefits:

Outpatient Medical Expense Benefits:

*Benefit amounts are based on the Health Max Plus Plan.

**This policy has a preexisting conditions limitation. Preexisting conditions are not covered until the policy has been in effect for more than 12 months. A preexisting condition is any condition you have now or had within a six month period prior to the effective date of coverage for each covered person.


Almost everyone qualifies for this health insurance policy; that's the beauty of a guaranteed issue policy. People who usually don't qualify for a health insurance policy because of pre-existing conditions (heart disease, etc.) will most likely qualify for a guaranteed issue health insurance policy.

Indivduals eligible for guaranteed-issue health plans:

Pre-Existing Conditions

Homeland Health Plans accept and cover pre-existing conditions, but they are HIPPA credible and they will accept your HIPAA credits from your previous health coverage. When you obtain an Homeland plan, there is a 12 month wait for pre-existing conditions IF you haven't had HIPAA credible coverage in the last 62 days. If you have, then the waiting period is reduced by the amount of months you had coverage, as long as the coverage didn't have any gaps longer than 62 days.


Let's say you had coverage through Blue Cross and Blue Shield from your previous employer. You were insured for 3 years with no gaps in coverage. You quit your job and decided to obtain Guaranteed Issue Health Insurance within 62 days. Your waiting period for pre-existing conditions would be completely eliminated because you had more than 12 months of HIPAA credible coverage at your previous employer. Now let's say in the same scenario, you only held coverage for 6 months instead of 3 years. If you then converted to one of our plans, you would have a 6 month wait for pre-existing conditions assuming there was a gap of no longer than 62 days. This is due to the 6 months of HIPAA credit you obtained while at your last job.