
Guaranteed Issue Health Insurance
Have you had cancer, heart surgery, diabetes, depression, a stroke or other conditions that may cause you to be declined for health insurance?
Many people who want to purchase health insurance are either declined or have their conditions excluded from coverage. We are able to help most of these people with one of two limited benefit health insurance plans. Both types of plans will cover pre-existing conditions after 12 months of coverage, or immediately if you are HIPAA qualified.
Feel free to contact us with any questions or visit our Guaranteed Issue FAQ.
HealthSolutions Defined Benefit Health Insurance
True health insurance - not a discount plan. This plan pays a defined amount for services and procedures. This is not Major Medical health insurance.
- Five doctor visits per year
- Covers 100% of surgery cost (based on Medicare reimbursement)
- Covers you both in and out of the hospital
- Covers pre-existing conditions after one year
- Maternity benefit
- $5,000 Accident benefit
- Must be working (proof required)
- $248/month
- Much more
HealthSolutions Brochure & Application
3 MB
Apply online for HealthSolutions
Guaranteed Issue FAQ
HealthChoice Defined Benefit Health Insurance
True health insurance - not a discount plan. This plan pays a defined amount for services and procedures. This is not Major Medical health insurance. This plan does ask some very basic medical questions, but employment is not required.
- Five doctor visits per year
- Covers 100% of surgery cost (based on Medicare reimbursement)
- Covers you both in and out of the hospital
- Covers pre-existing conditions after one year
- Maternity benefit
- $256/month
- Much more
HealthChoice Brochure & Application
3 MB
Guaranteed Issue FAQ
Both HealthSolutions and HealthChoice
- Are available in all 50 States
- Cover pre-existing conditions after 12 months of continuous coverage
- Are HIPAA compliant
- Are guaranteed renewable
- Pay for doctors and hospitals
- Cover you both in and out of the hospital
- Include in and out-patient surgery benefits
Both plans utilize the MultiPlan PPO network which provides PPO network repricing, and access to over 500,000 providers nationwide. Providers do not have to be in the MultiPlan network, however, for you to be able to use them.
Lehrman Group and/or an associate of Lehrman Group holds insurance licenses in the following states: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Michigan, Missouri, Nevada, New Hampshire, New Mexico, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia and West Virginia. Parties requesting rates from one of the states where Lehrman Group (or an associate of Lehrman Group) is not licensed will be contacted by a local agent or broker who is licensed by the Insurance Commissioner in that state.
Licensed insurance agents and brokers interested in offering these plans, click here.

