The Benefit Solutions Group

Guaranteed Acceptance Health Insurance and Benefit Plans
Pre-existing Conditions Accepted

Do not have adequate health insurance

Have health insurance with high deductibles or out-of-pocket expenses

Want to supplement the coverage you may have

Have been declined for traditional major medical insurance due to pre-existing conditions

Need good coverage at affordable rates

PLAN A: An innovative approach that is ideal for reducing the financial burden of health care needs. These Limited Medical Insurance Benefits, from a highly rated insurance company, are designed to address your typical day-to-day medical services such as: Doctor Visits, Hospital Stays, Intensive Care, Surgery, Emergency Room and Ambulance Transportation. These benefits may be assignable and can be used with the MultiPlan Network and Patient Advocacy provided by The Karis Group to further reduce out-of-pocket expense. Also included is Term Life Insurance with up to $10,000 face value, depending the plan selected.
Click here for rates and printable brochure.
Click here for printable application form.

PLAN B: Underwritten by United States Fire Insurance Company, which is rated "A" by A.M. Best Reports. Choose either a doctor co-pay ($20 or $30 per visit) or doctor visit reimbursement benefit. Benefits include: $1,000,000 Lifetime Maximum per Covered Person, Surgery, Anesthesia, Lab, X-ray, Wellness, Emergency Room and Ambulance benefits, $2,000 Accidental Injury Benefit, $10,000 Accidental Death & Dismemberment benefit, plus additional benefits such as vision and prescriptions.
Click here for rate quote, plan details and enrollment.

Med Plus STM
Short Term Medical Plan - Underwritten by Starr Indemnity & Liability Company

Ideal for medical coverage between jobs or during waiting periods for group coverage to begin, for pre-Medicare enrollees, students, part-time employees and anyone needing coverage for limited time periods. Eligibility up to age 65 on all Short Term Medical Plans. Child only coverage available.

Plans for renewable STM coverage with coverage periods up to 12 months
Click here for plan details, rate quote and enrollment

Many of these affordable dental plans also include vision and chiropractic plans as well as some discount prescription benefits. Available plans from more than 30 nationally recognized companies such as Aetna, Cigna and GE. No deductibles, annual limits or waiting periods for basic or major dental procedures or for coverage of existing dental issues. These are the best plans for those who need immediate benefits for existing dental issues or who have less budgeted for this category of benefit plan rate. Dentist must be in-network to use these benefits. Plans available in every state except Alaska.
Click here for rates on available plans in your area and enrollment.

Choice of dentist, no network restrictions apply. Must meet deductible and annual maximum will also apply. No waiting period for coverage of preventative care, but major procedures will have up to a 12 month waiting period before insurance will cover such procedures. These are the best plans for those who want to select a dentist who does not participate in a dental PPO network or who do not have immediate dental issues that require major dental care.

Choose from 2 Dental Insurance plans:

Plan A Dental Insurance: Annual benefit choice of $750 or $1,250 maximum per insured person
Click here for details of Plan A Dental Insurance, rate quote and enrollment.

Vision Programs are available as components with select Dental Plans, and many also include Chiropractic Benefits. Vision/Dental benefit packages are as low as $15.00 per month for family plans and $10.00 per month for individual plans (based on annual membership fee). No deductibles and no annual limits apply. 15+ Vision plans with savings to 60% through major vision providers. Guaranteed acceptance to all applicants. Available plans in all states except Alaska.
Click here for rates on available plans in your area and enrollment.

Co-pay prescription cards are available to cover current prescriptions and have no pre-existing exclusions - in other words, your current medications will be immediately covered upon your effective date in the program. Co-pay prescription cards are included in many of our health plans, and can also be purchased separately to supplement current coverage.

4-tier* $10/$20/$50 co-pay plans are available for as low as $19.95 per month. (*Some formulary and newly released medications fall into the 4th tier and qualify for pharmacy discounts.)
Click here for plan details, rate quote and enrollment.

No underwriting required for these plans that cover those traveling to and from the U.S. Frequently, domestic health insurance does not provide coverage for overseas medical emergencies, and international travelers are unable to obtain this type of protection after they are outside of their home country.

Furthermore, most traditional health insurance does not provide coverage for expenses for an emergency medical evacuation, medical reunion, return of mortal remains, trip interruption or loss of checked luggage. Overseas Travel Medical Insurance covers all of these contingencies and much more. Coverage periods from 5 days to 12 months.
Click here for plan details, rate quote and enrollment.

A direct to consumer program using a very large network of labs, diagnostic, and X-ray centers across America that reduces the cost of lab and diagnostic testing as much as 80%. Because the tests are pre-paid when ordered, the providers are paid quickly, so you receive a lower price on your tests. With some insurance plans and other programs, providers often must wait weeks or even months, to receive their fees, resulting in higher costs. The key to the Lab and Diagnostic Testing program, and your savings, is pre-payment.
Click here for plan details.

All plans are available for Group List Billing. An additional administration fee may apply in your state, but a group quote will be available upon request for any plan and in all categories of benefit plans.