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Vermont Health Insurance
Health insurance comes in two broad categories these days: individual
and group. Those who opt for individual insurance are usually self-employed,
or are employed by a company that does not have a health plan, or
who have a family and who want individual insurance for their family
members. When you buy an individual plan, you must pay an annual
premium as well as a deductible for each insured dependent, up to
a base amount. If you choose a group policy instead, you are required
to pay an annual premium, co-payments payable at each medical service,
and a deductible payable before insurance begins paying for your
legitimate medical bills.
In Vermont, individual health insurers cannot deny insurance because
of a health problem and they must further offer family coverage
if requested. If you have a pre-existing condition, insurers cannot
impose elimination riders but can require exclusion periods not
exceeding 12 months. They can review your health records for the
six months prior to coverage. If you have had unbroken coverage
of more than 63 days, you qualify for creditable coverage. Your
insurance cannot be cancelled if you fall sick.
According to Vermont regulations, no eligible person can be refused
group health insurance or charged more due to a health problem.
New employers can wait to offer group coverage to new employees.
Insurers can review your medical history for the six months prior
to coverage. If there is a pre-existing condition, the company can
require an exclusion period not exceeding 12 months. Continuous
coverage can be creditable toward your exclusion period.
In Vermont, small businesses having one to 50 employees cannot
be denied small group health insurance and the policies are required
to be common health plans. Your insurance cannot be cancelled because
of illness in your employee group. Vermont allows self-employed
individuals to buy small group insurance. For information on the
regulations governing professional or business associations, you
may contact the Vermont Department of Banking, Insurance, Securities
and Health Care Administration.
Programs such as Medicaid and Ladies First offer assistance to
Since choosing the right quotes is difficult, you should do a proper
research before making a final decision. However, it is always better
to engage professional health insurance agents and brokers who can
be of great help in this regard with their valuable experience and
The leading health insurance provider in Vermont is Blue Cross
and Blue Shield of Vermont.