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North Dakota Health Insurance

Health insurance at present can be classified into two broad categories: individual and group. Those seeking individual insurance are usually self-employed, or are employed by an organization that does not have any provision for a health plan, or who have a family and who require individual insurance for their family members. If you opt for an individual policy, you are required to pay an annual premium as well as a deductible for each insured dependent, up to a base amount. If you decide to purchase a group policy instead, you have to pay an annual premium, co-payments payable at each medical service, and a deductible payable before the insurance company begins paying for your valid medical bills.

In North Dakota, individual insurers are allowed to deny you coverage if you have a health problem. However, in case you meet refusal, you can have individual insurance from Comprehensive Health Association of North Dakota (CHAND). The same holds for HIPAA eligible individuals. North Dakota regulations requires individual insurance companies to offer basic and standard health plans. If you are found to have a pre-existing condition, insurers may attach elimination riders to policies. Also, exclusion periods not exceeding 12 months are allowed. It is true that your insurance cannot be cancelled because of your illness, but there are no curbs on the cost of an individual policy.

In North Dakota, group health insurance cannot be refused to qualified individuals even if they have a health problem, nor can they be charged extra than others for the policy. You can get special opportunities for life changes related to children, marriage, family problems or job loss. There are special rules in North Dakota for newborns, adopted, and disabled children as well. A new boss is allowed to wait before offering group coverage. HMOs can also impose an affiliation period before the beginning of the coverage. Pre-existing conditions have little protection in the state. The look back period an insurer is allowed to review your health records for pre-existing conditions is six months. If one is found, they can impose an exclusion period not exceeding 12 months for coverage. If you have had continuous, unbroken coverage of over 63 days, you qualify for creditable coverage for the condition.

Small businesses having two to 50 employees cannot be refused small group health insurance in North Dakota and insurers must offer standardized plans. Your insurance cannot be cancelled because of illness within your insured group. Although businesses with two to 25 employees have limits on the variances of their premiums, no such limitations exist for groups of more than 25. North Dakota does not allow self-employed people to buy small group health insurance. For rules governing professional or trade associations, you can contact the North Dakota Department of Insurance.

HIPAA eligible people and those who have been denied insurance are provided health insurance by the Comprehensive Health Association of North Dakota (CHAND). The programs helping low income people in South Dakota are Medicaid, Healthy Steps and Caring Program for Children.

Since selecting the right quotes is not easy, you should do some research before making a final decision. However, it makes sense to appoint professional health insurance agents and brokers who can be of great help in this regard.

The leading health insurance providers in North Dakota are Assurant Health (formerly Fortis) and Security Life.



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