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Vermont health insurance
Purchasing a health insurance plan will give you a lot of peace of mind. This is because your health costs will be well taken care of and you will not suffer from financial instability that can accompany a serious illness. If you are a resident of Vermont and are looking for health insurance, here are certain factors you need to keep in mind before you buy that plan.
Individual health insurance in Vermont
The process of medical underwriting is not allowed in the state of Vermont. This means that the insurance carriers cannot use your health status records to deny you health insurance. However, there is a 6 month look back period and an exclusionary period of 12 month for pre existing conditions and the carrier may refuse to cover costs arising because of these. All residents of Vermont, irrespective of their health status, are guaranteed health insurance covers.
As an individual, you should expect to pay more when you try to buy a health insurance plan. This is because under a group plan, your employer pays a portion of the costs. This is not so under an individual plan.
There are a number of factors you will need to consider when you go for a plan. You must find a plan that offers you the greatest benefits at a price you can afford. You can buy HMO, POS and PPO type of plans.
High risk pool in Vermont
Since there is a guaranteed health insurance provision in the state, there is no high risk pool in the state.
Insurance for small business and groups
Group health insurance can be got through employers, associations or unions. The rates are based on the community rating system. 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. There is a 6month look back period and a 12 month exclusionary one for people who do not have prior health covers.
Coverage under COBRA
Laws under the Consolidated Omnibus Budget Reconciliation Act of 1985 apply in the state of Vermont. 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.
Vermont Medicaid plans
Medicaid is a program that is sponsored by both the federal and state governments. Under this 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. However, people need to satisfy certain income criteria before they become eligible for these programs.
Vermont also offers the Dr. Dynasaur program. Under this program, health insurance is provided to children below the age of 19, provided they meet certain income criteria.
Easy Quotes from the Top Vermont Health Insurance Carriers
If you want to get the best of Vermont health insurance quotes, you have come to the right place. You can use our service to 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 Vermont 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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