Professional employer organizations
Question
Is there a way to get long term care insurance with no medical exam?
Many insurers offer long term care insurance, but if you purchase the insurance on the private market, you must undergo medical underwriting, and many chronic conditions make you ineligible for coverage. Some employers offer group long term care insurance, which is available to all employees, but if you don't work for one of these employers, you're out of luck. Does anyone know of any professional organizations, trade groups, etc. that accept members from the general public and offer group long term care insurance? Any other ideas how to get long term care insurance for someone with a chronic medical condition?
1 year ago - 7 answers
Best Answer
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Try this one - healthplans ... - my family have their health insurance - it is affordable and has good coverage for dental issues. As I know they can provide coverage with preexisting condition.
by Jim Q
1 year ago
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Other Answers
No - you can't get around the medical underwriting.
by src50- 1 year ago
Check with a company called United American Insurance. They can probably help you with LTC insurance. Of course, it would depend on what the chronic medical condition is, but they have very liberal underwriting. Just google United American Health Insurance.
by james m- 1 year ago
Yes you can, Check out www ... they offer medical benefits with insurance. no turn downs either. I hear great this about this co. And its not discount cards! I have them they are awesome.
by complete co- 1 year ago
AMeriplan is a medical benefits company. They do not turn anyone away because of illness. www.mybenefitsplus.com/40607828
by momoftwo- 1 year ago
Well, you're asking two questions. To answer the first long term care doesn't generally require a medical exam. But, the second question re: a "chronic medical condition" answer would be "it depends" on what the condition is. If it's diabetes some of the main stream companies would cover that condition. But, if it's something like MS you need a completely different product altogether. More than likely an annuity arrangement if you have assets. But it depends on the condition. You just need a long term care broker to help you out. There are no trade group plans as you mentioned that don't have underwriting. Even the group policies generally have underwriting. Hope that helps, Jeff
by Insurance Pickle.com- 1 year ago
Through their employer. The employer group should take them. Just like health insurance, the time to buy it, is BEFORE stuff starts really going wrong. If companies sold it after, they'd go broke, be out of business, and not be there to pay other people's claims.
by mbrcatz17- 1 year ago