About 418,900 Mississippians do not have health insurance.That is about 17 percent of Mississippi’s population. There are several health insurance providers in Mississippi. It may seem a difficult task to find low cost health insurance, however, it is not impossible.There are a number of laws that are in place to protect those with health insurance. VitalOne will help you sort through that information and find coverage that suits all of your health needs. Read below for more information on health coverage in Mississippi.
With the fact that many of today’s businesses no longer offer health insurance to employees, individuals in Mississippi are suddenly finding themselves let go from jobs that had health insurance. Individual health insurance is an option you will want to consider.Your ability to buy individual health coverage may depend on your health status. There are certain circumstances, however, when you must be allowed to buy individual health coverage. In general, companies that sell individual health insurance in Mississippi are free to turn you down because of your health status and other factors.
Group health insurance in Mississippi is sold to businesses and organizations who then provide coverage to their employees and members. These group and business health insurance plans are inexpensive compared to individual or family coverage because the cost of medical services can be spread among a larger group of people. Since the risk associated with small group health insurance is lower for the insurance company, they are also more willing to underwrite policies for those with pre-existing conditions. In fact, all small group health insurance plans are required to be guaranteed issue according to federal law.
There are a variety of family health insurance plans. It is very important that you balance the cost of coverage with the medical care your family needs. You may want to take less risk with your family health insurance than you would with your own. A comprehensive family health insurance plan that covers prescriptions and regular doctor visits may end up being more affordable in the long run, especially if you have a large family. Indemnity plans come with lower family health insurance premiums, but only cover catastrophic medical costs; most preventative care must be paid out-of-pocket.
Low cost short term health insurance is similar to standard health insurance, except that temporary health insurance can last anywhere from thirty days to one year. A short term health insurance plan may be for you if there is a short gap in your insurance. For example, if you lost your job and have begun searching for new employment with health insurance benefits, affordable temporary health insurance can help bridge the gap. Short term health insurance coverage is also suitable for people who are recent college graduates or on strike. With affordable short-term health insurance, you have time to compare and contrast individual health plans and make it through the waiting period without feeling desperate.
Students health insurance policies from private health insurance companies offer flexibility, more so than the cheapest student health insurance sold by the university. However, those student health insurance plans are more expensive. It is important for you and your parents to decide what level of coverage is right for you. College students health insurance can be a permanent policy, short-term, or a mini-medical. Mini-meds (or indemnity coverage) are the least expensive type of student health insurance plan, but offer the least coverage.