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Massachusetts Health Insurance
Health insurance nowadays comes in two main categories: individual
Mainly those people apply for individual insurance who are self-employed,
or are working in a company that does not have provisions for a
health plan, or who maintain a family and want individual insurance
members of the family. When one buys an individual plan, he/she
is required to pay an annual premium, and also a deductible for
each insured dependent, up to a base amount. However, if one opts
for a group policy, he/she must pay an annual premium, co-payments
payable at each medical service, and a deductible payable before
insurance starts making payments for his/her valid medical bills.
In Massachusetts, insurers are not allowed to deny you individual
health insurance because of a health problem. Any HIPAA eligible
person follows the same rules for buying individual insurance. Massachusetts
demands standardized policies for all consumers. Insurers can impose
a six-month waiting period for coverage with individual plans. They
can also exclude coverage for six months on pre-existing conditions
if there has been a break of over 63 days in prior insurance. Attachment
of elimination riders to individual policies is not allowed. Premiums
on individual policies cannot be increased based on modified community
rating. Your insurance cannot be cancelled on account of your illness.
In Massachusetts, group health insurance cannot be denied to you
even if you have health problems, provided you qualify. Your new
employer can seek a waiting period before offering group insurance.
The look back period for insurers to review pre-existing conditions
is six months. The exclusion period for pre-existing conditions
in group policies must not exceed six months. In Massachusetts,
a waiting period is allowed for any insured before health coverage
begins, even in the absence of a pre-existing condition. When you
join new group insurance, if you have had continuous unbroken coverage
of more than 63 days, creditable coverage protects you from exclusion
or waiting periods for pre-existing conditions.
In Massachusetts, small businesses with one to 50 employees cannot
be denied small group health coverage. Small employers have to pay
premiums that cannot vary due to health conditions, gender, and
number of claims within the group. The MassHealth Insurance Partnership
helps small employers pay health premiums, depending on certain
income characteristics of their groups.
Massachusetts allows self-employed people to purchase small group
health insurance. You should contact the Massachusetss Division
of Insurance for information about professional associations who
have group health insurance available for members.
Financial help in Massachusetts is provided through MassHealth,
Children’s Medical Security Plan, Medical Security Plan, and
Breast and Cervical Cancer Treatment Program.
Choosing the right health insurance quotes is always difficult.
You must do some homework before you make your choice. The best
option is to engage professional health insurance agents and brokers
who can greatly help you in this regard.
The main health insurance provider in Massachusetts is Blue Cross
and Blue Shield of Massachusetts.