This first question is about a money-back guarantee that often implies that the consumer does not really know what to expect from their new coverage. This is not surprising, given the complexities of health insurance. Some do not know that all insurance companies are covered by the same refund laws, it is not dependent on the individual insurer.
“Hello. I am wondering what is the best way to get coverage with a money back guarantee. For evrything, with a no waiting period, and a on the minute knowledge base plus see same doctor group.”
All policies listed on FreedomBenefits.net web site or a state exchange come with a “10 day free look” which means that if you notify the insurer’s customer service office of your intent to cancel coverage within 10 days after receiving the physical policy in the mail, you get a full refund. The guarantee does not apply to the application fee, if any, that some companies charge when you apply. Insurance companies generally execute this provision in favor of the consumer so the only complaint I hear from people who requested a refund is that it takes longer than they would prefer, sometimes up to a few weeks.
I do not understand your second sentence: “For everything, with a no waiting period, and a on the minute knowledge base plus see same doctor group.” but you are welcome to call (800) 609-0683 to ask additional questions.