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Alabama health insurance
Have you ever considered the huge bills you have to pay in case you fall seriously ill? Health insurance is necessary for a number of reasons. The most basic of these is that you need to protect yourself and your family from a sudden, crippling health care bill you might have to pay. You may not be able to predict illnesses, but you can be prepared to tackle the huge costs they cause.
Individual health insurance plans in Alabama
If you are unable to get group health insurance as a resident of Alabama, you do not need to despair. You can avail of a number of health insurance plans. These may be PPO, HMO or POS type of plans. You may also opt for the catastrophic plans. These offer you coverage of costs after you meet a certain level of deductibles.
Group health insurance in Alabama
If you are looking for a suitable group insurance policy, you will need to consider certain factors like choice of providers; cost etc. you will also need to consider the contribution of your employer when you are considering how much you have to pay for a certain group health insurance plan. Depending on the level of deductibles, co insurances and co payments, you can choose between HMO, PPO, POS or HDHPs. You can also go for a HSA type of plan.
High risk pool in Alabama
If you cannot find insurance either as an individual or as a member of a group, you can always opt for the high risk pool provided by the state. The Alabama high risk pool can be found under the name AHIP. It provides health insurance to individuals who are unable to secure it from elsewhere due to reasons of age, health status etc.
Coverage under COBRA
Laws under the Consolidated Omnibus Budget Reconciliation Act of 1985 apply in the state of Alabama. According to this law, a company employing more than 20 people is obligated by law to continue covers for an employee who, for some reason, is no longer employed with the company. The covers also have to be extended to his family.
Alabama Medicaid plans
Medicaid plans are also offered in the state of Alabama. Under this state and federal sponsored program, health plans are offered to people who have a low income, are pregnant, disabled or residents of nursing homes. Some of the people receiving Medicare are also eligible for this program. Plans are offered to these individuals, always providing that they meet certain income requirements.
Alabama also offers the CHIP or state children’s health insurance program. Under the SCHIP program, health insurance is provided to children below the age of 19, provided they meet certain income criteria.
Easy Quotes from the Top Alabama Health Insurance Carriers
Our service is the best way for you to secure the most suitable Alabama health insurance quote for yourself. You will get quotes on health insurance from the top health insurance carriers. This includes- American Medical Security, American Family Insurance, Anthem Blue Cross Blue Shield, Assurant Health, Fairmont Specialty Group, Celtic, Midwest Security, Golden Rule, Security Life and UNICARE and many more.
An easy, fast and free way to find Alabama Health Insurance
Our process is quick, easy and free. The only thing you have to do is to fill in a simple form with your information. The information will be kept confidential and will be used only to provide you with medical insurance quotes. As soon as you complete this form, you will receive instantaneous quotes from the top carriers. If you want, you can buy the plans online also. We will also put you in touch with licensed local agents in your area who will assist you in every way before you can purchase a plan.
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