What Is Guaranteed Issue Health Insurance? 
It 's a policy issued without underwriting within a matter of a few days . They are designed for people who have difficulty getting insurance becouse of a pre existing condition or because other policies are too cost prohibitive . They do not have deductibles and are usually limited to $ 1,000,000 lifetime coverage . They utilize the Private Health Care System network -LRB- PHCS -RRB- , which is similar to Medicare . Procedures and costs are pre negotiated between the insurance company and hospitals & doctors within the network . US Health Advisors offers guaranteed issue policies ranging from $ 229 to $ 549 for an individual and accordingly higher for additional family members . 