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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 Vermont residents.

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 expertise.

The leading health insurance provider in Vermont is Blue Cross and Blue Shield of Vermont.



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Useful links and information:

Vermont Division of Health Care Administration
(800) 631-7788
(802) 828-2900

U.S. Department of Labor, Boston Regional Office
(617) 565-9600, or contact

U.S. Department of Labor, Division of Technical Assistance and Inquiries, Washington, D.C.
(202) 219-8776

For Department of Labor publications:
(800) 998-7542

Vermont Attorney General
(888) 745-9195

Vermont Health Access Member Services Unit
(800) 250-8427

Vermont Department of Health
(800) 508-2222

Vermont Department of Health
(802) 863-7200
or (800) 464-4343

Internal Revenue Service
(866) 628-HCTC



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