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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 creditable coverage.

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 Program.

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 Life.



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