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Mississippi Health Insurance
Two categories of health insurance are mainly available these days:
individual and group. Individual insurance is primarily for those
who are self-employed, or are employed by a company that does not
have provision for a health plan, or who have a family and who would
like to have individual insurance for their family members. When
you buy an individual plan, you are required to pay an annual premium
as well as a deductible for each insured dependent, up to a base
amount. Or, if you purchase a group insurance plan, you have to
pay an annual premium, co-payments payable at each medical service,
and a deductible payable before insurance begins making payments
for your stipulated medical bills.
In Mississippi, insurance companies can reject your application
for individual insurance if you have health problems. Individual
insurance companies can review your medical history for the past
12 months to determine if you have a pre-existing condition. In
case you are found having one, they can either impose an exclusion
period of a maximum of one year, or they can apply an elimination
rider to the policy permanently denying coverage for the condition.
For individual policies, Mississippi does not require insurers to
give credit to exclusion periods for continuous coverage. There
are no restrictions on the cost of an individual policy, but your
insurance cannot be cancelled if you fall sick.
In Mississippi, group health insurance cannot be denied to eligible
residents nor can they be charged more due to a health problem.
In case you join a new company, your new employer can seek a waiting
period before offering you group health insurance. Group insurers
can look back over your medical history for the six months prior
to group coverage to find if you have had pre-existing conditions
and can apply an exclusion period not exceeding one year of the
condition from the beginning of a new plan. If you maintained unbroken
coverage of your condition for more than 63 days, you qualify for
For small businesses with two to 50 employees in Mississippi, small
group health insurance can neither be denied nor cancelled because
of the health of the employee group. There are also limits on the
price of the premium.
Mississippi does not permit self-employed persons to buy small
group health insurance. If you want to know the regulations which
cover professional associations with group health coverage, contact
the Mississippi Insurance Department.
In Mississippi, there is a Comprehensive Health Insurance Risk
Pool Association for qualified residents. Several other group programs
also help people with low incomes, such as Medicaid, Children’s
Health Insurance Program, and Breast and Cervical Cancer Early Detection
As choosing the right health quotes are never easy, you should
either do your own proper research or better leave the job to professional
health insurance agents and brokers.
Among the prominent health insurance providers in Mississippi are
Celtic, Fairmont Specialty Group, Fortis, Golden Rule and Security