In Alabama, the number of uninsured adults (age 19-64) has reached 544,321 about 19% of the state’s population. In a six year period from 2000-2006, family care premiums rose by 80.7% while family earnings rose only 13.1%. Individual coverage premiums also rose. It is important that you let VitalOne help you perform adequate research before finding the most affordable and best health insurance plan. Here is additional information on Alabama health insurance coverage.
Alabama Individual Health Insurance
Alabama does not require health insurance companies to sell standard policies that are written or regulated by the state. Insurers may design their own health plan options as well as include the benefits, deductible and coinsurance limits that they decide to choose. However, the state law mandates the Alabama health insurance plans to cover cancer screening for breast and post-delivery hospital stays. For individual health plans, the insurance companies have the right to refuse coverage to you based on your present health status or any pre-existing condition.
Alabama Group Health Insurance
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 in Alabama. 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.
Alabama Family Health Insurance
It is essential that families have access to good healthcare including both parents and children. If you live in Alabama, one of the best ways to protect your families health is with family health insurance. Affordable family health insurance usually costs less than having a separate health insurance policy for each person. Also, a family health insurance plan usually has a higher coverage cap or lower combined deductible than an individual one.You may want to take less risk with your family health insurance than you would with your own.
Alabama Short Term Health Insurance
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. Alabama 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.
Alabama Student Health Insurance
When attending college in Alabama, it is very important to have student health insurance. Many colleges and universities require proof of health insurance for students; even if yours does not, cheap student health insurance will probably end up paying for itself. Use of the university student health center in Alabama is included in your tuition, but the center only offers basic health care. On the other hand, affordable student health insurance also covers visits to primary care physicians, specialists, and diagnostic centers, and hospitalizations.
