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Alabama Health Insurance
Health insurance is now generally available in two categories:
individual and group.
Individual insurance is mainly for those who are self-employed,
or if they are employed by a company that does not offer a health
plan, or if they have a family and want individual insurance for
family members. When you buy an individual plan, you have to pay
an annual premium as well as a deductible for each insured dependent,
up to a base amount. If you purchase a group policy, you need to
pay an annual premium, co-payments payable at each medical service,
and a deductible payable before insurance begins issuing money for
your eligible medical bills.
When you purchase individual health insurance, Alabama laws allow
the companies to turn you down for coverage. The exclusion period
for a pre-existing condition can exceed a couple of years. Alabama
does not regulate the limit of the premium price for individual
insurance. According to the Alabama Department of Insurance, premiums
depend on considerations such as medical care costs, coverage, age
of policyholder, health, lifestyle habits (like smoking), location
of residence, and optional premium wavers.
If you are under group health insurance from an employer, you must
be provided insurance for a medical problem, cannot be charged any
additional amount and your insurance cannot be cancelled if you
fall sick. If you join a new company, you may have to wait for a
while before your new boss starts the group health insurance. With
pre-existing conditions, you may have to wait for coverage at a
new job or have coverage for the condition excluded for a time.
If you have had continuous coverage of over 63 days at a stretch,
you will be entitled to creditable coverage. If you leave a position
that had group health, you can qualify for COBRA at the same level
of coverage. With HIPAA eligibility, you can get Alabama Health
Insurance Plan under local laws.
Alabama Department of Insurance rules that small businesses cannot
be denied group health coverage because of a health problem with
someone in the employee group. Because of the health problems of
your staff, a small business can have its premiums increased at
the time of renewal. Self-employed persons, however, cannot purchase
group health insurance. There are different rules if one wants to
purchase health insurance through a business association.
Choosing the right health insurance quotes is a difficult. You
should do a good amount of research before making your choice. The
best thing is to appoint professional health insurance agents and
brokers who can be of great help in this regard. They are experienced
professionals who understand the market, conversant with all the
regulations and know the industry. Who else but they can fix the
best deal for you?
If you are a resident of Alabama, you will find a number of health
insurance providers like Blue Cross Blue Shield of Alabama, Celtic
Health Insurance, United HealthCare,
Fortis Health Insurance (now called Assurant Health) and Golden
Rule Health Insurance.
They offer you various types of health plans to choose from.
Regulations regarding individual health
The Alabama Department of Insurance mandates that premiums for
Alabama health insurance should be based on:
1) health care costs
2) underlying level of coverage
3) age of insured(s)
4) health of insured(s)
5) lifestyle habits (i.e. smoking)
6) location of residence
7) any optional premium wavers that may be in place.
There are no regulations limiting the premium price for individual
The Agency for Healthcare Research and Quality provides another
helpful resource. It will arm you with the information that you'll
need to know to make a more informed and confident decision about
your health insurance.
Additional Information on Alabama Health Insurance can
be obtained from:
Alabama Department of Insurance
201 Monroe Street, Suite 1700
Montgomery, AL 36104