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Hawaii health insurance
Health insurance is important for every individual, whether he secures it as an individual or as part of a group. If you are a resident of Hawaii, you will find details of all your health insurance options under this page.
Individual health insurance plans in Hawaii
As a matter of policy, insurers in Hawaii may reject your health insurance application based on the status of your health. There is a pre existing condition maximum allowance of 12 months. As an individual residing in Hawaii, you have the following options in health insurance:
Insurance for small business and groups
Group health insurance can be got through employers, associations or unions. However, as in individual health insurance, medical underwriting is allowed here. The preexisting clause can extend up to six months prior to your application and the company may deny covers for those conditions up to 12months. Employers in Hawaii are required by law to provide suitable health insurance plans to their employees.
The average premium you may expect to pay for a group insurance plan will vary, depending, among other factors, on the contributions your employer makes.
Coverage under COBRA
Laws under the Consolidated Omnibus Budget Reconciliation Act of 1985 apply in the state of Hawaii. 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.
Hawaii Medicaid plans
Medicaid plans are also offered in the state of Hawaii. It is offered under the Med Quest division. 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.
Hawaii also offers the Quest children’s health insurance program. Under this program, health insurance is provided to children below the age of 19, provided they meet certain income criteria. They must also be residents of Hawaii and have a social security number. Also, they may not be blind, disabled or receiving health insurance through an employer.
Easy Quotes from the Top Hawaii Health Insurance Carriers
Our service is the best way for you to secure the most suitable Hawaii 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 Hawaii 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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