S.B.I.S.

The Guarantee Issue sector of the health insurance industry has been rife with fraud for many years. In the past, several predatory organizations such as Employer's Mutual L.L.C. and others have taken advantage of those who have been rendered uninsurable by the individual health insurance market leaving behind millions dollars in unpaid claims. For the first time in many years there is now a series of legitimate Defined Benefit Health insurance plans (aimhealthplans.com) for those who have been rendered uninsurable in the past. The plans are fully insured and underwritten by American Medical & Life insurance company of New York, New York (www.usamli.com) The better of the four plans available is called the "Health Max Plus plan. It provides an unlimited surgical benefit for inpatient or outpatient surgeries. It also provides up to $4,000 of coverage for the first day of hospital admission and up to $1,000 per day for each day of hospital admission thereafter up to 100 days. Medically necessary diagnostic tests and x-rays performed in a doctor's office or outpatient facility (e.g. MRI, CAT Scan, EKG, Mammography) are also covered up to $400 per visit with a 5 visit allowance per year per insured. Anesthesia is also covered at 25% of the surgeons charges. Accident Medical Expense is also available as an optional benefit. This benefit would provide "first dollar" coverage (no deductible) for Accidental Injuries.

The P.P.O. network is a nationwide P.P.O. network providing access to more than 350,000 medical providers nationwide. You can search for your preferred doctor's
or hospitals @ www.multiplan.com There is a 12 month waiting period for all Pre Existing Conditions. However since the plans are fully HIPAA compliant, all insured's who enter the plan presenting a Certificate of Creditable Coverage will receive credit towards satisfying the AIM health plans pre-existing waiting period. In addition, all insured's who leave the plan will receive a Certificate of Creditable Coverage so that they receive credit towards satisfying any pre existing waiting period on any other type of guarantee issue plan (e.g. employer sponsored group health insurance plan). If you are not currently disabled, receiving workers' compensation or on Medicare you are automatically approved! It's as simple as that. There are no other medical underwriting questions on the insurance application. You can even run your own quotes and apply online yourself without an agent by clicking here: aimhealthplans.com  There are several plans to choose from, the best plan is the "Health Max Plus" plan. The benefits for this plan are highlighted below: