Blue Cross has coverage that people can get if they have been turned down by three different other companies. Your denial letters are your proof. But you do have the premium to pay, possibly a co-pay at the time of the visit, and a percentage. Or it may be simply a percentage and not a co-pay. It isn't great, but most medical offices have a contract with Blue Cross, therefore there is a write-off amount the office must take. For instance, the office charges $200, Blue Cross allows $125.00. The office must write off the $75 dollar difference before billing you. This really only helps you for major medical since you have to look at how much your premium is to have the insurance. The other catch is just what you are up against now, pre-existing conditions.