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South Dakota health insurance
Having a health insurance is not only a part of being practical, it is also an important part of your financial planning for the future. If you are a resident of South Dakota and are looking for health insurance, we have all the information you need before going for a plan. On this page, we provide you with details on your options in health insurance-from private health insurance carriers as well as from the state and federal governments.
Individual health insurance in South Dakota
No matter where you are residing at a particular time, it is very important for you to understand all the aspects of an insurance plan before you go for it. This is especially important because in the last few years, the cost of health insurance premiums in the state of South Dakota have increased by around 47%. You would not want to be stranded with a plan that costs more and provides you with benefits that are not really relevant to you. Here are a few facts to consider before you go for that plan.
Medical underwriting is legal in the state of South Dakota. This basically means that an insurance company can turn down your requests for enrollment if they are dissatisfied with your health status. The carrier may also impose an exclusionary period of 12 months and a look back period of 6 months before they start covering you.
As an individual, you have an option of HMO, PPO and POS type of plans. The plan you choose will depend on the deductibles, co insurance and co payments you have to make.
If you are unable to secure health insurance through a private carrier because of your health status, you can take a look at the high risk pool being offered by the state. The program is administered under the South Dakota Risk Pool. Plans are sold to people with HIPAA eligibilities only.
Group health insurance in South Dakota
Group health insurance is provided to groups and small businesses which have between 2-50 employees. Here also, medical underwriting is allowed. The rate variation can be between plus or minus 25% of the indexed rate. This is determined by factors like the health status of the group and age, gender etc. The carrier may impose a look back period of 6 months and an exclusionary period of 12 months on people who did not have a health insurance previously.
South Dakota coverage under COBRA
Laws under the Consolidated Omnibus Budget Reconciliation Act of 1985 apply in the state of South Dakota. This law provides for health covers to continue for employees who, for some reason, are no longer employed with the company. The covers are to be extended to his family also.
South Dakota Medicaid plans
Medicaid plans are also offered in the state of South Dakota. Under this program sponsored by both the federal and state governments, 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 on condition that they meet certain income requirements.
South Dakota also offers the CHIP Health Insurance Program for children. 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 South Dakota and legal citizens of the US. Also, they may not be disabled, blind or receiving health insurance through an employer.
Easy Quotes from the Top South Dakota Health Insurance Carriers
Our service is the easiest way to secure the most suitable South Dakota health insurance quote. 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 South Dakota Health Insurance
Our process is free, quick and easy. The only thing you do is fill in a simple form with your information. The information will be kept secret and will be used only to provide you with medical insurance quotes. As soon as you complete this form, you will receive health quotes from the top carriers. You can even buy the plans online. We will also put you in touch with licensed local agents in your area who will answer any queries you might have before buying a plan.
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