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Vermont Health Insurance

Nearly 50,000 Vermonters are living without health insurance coverage, according to the Vermont Department of Health. In response to what has been characterized by some state representatives as an “epidemic of the uninsured,” Vermont’s public officials are joining their peers in other states that are working with the health insurance industry to design affordable, individual health insurance plans for its residents.

If you are a legal resident of Vermont and cannot get private health coverage, or recently lost coverage, you may be eligible for one of a variety of state-managed public health programs available through Green Mountain Care, Vermont’s health insurance program for the uninsured. Green Mountain Care programs include:

Catamount Health – Vermont’s public insurance premium assistance for residents who are enrolled in an individual health plan, but cannot afford to pay their premium.

Employer-Sponsored Insurance Premium Assistance (ESI) – For employed Vermonters who are eligible for coverage under their employer’s group plan, but cannot afford to pay their portion of their insurance premium.

Dr. Dynasaur – Low-cost or free health insurance coverage for children under the age of 18 and pregnant women.

Vermont Health Access Plan (VHAP) – Vermont’s health insurance program for low-income residents who have been uninsured for more than one year, without any involuntary denial of coverage due to divorce, job loss or other life event.

VPharm, VHAP-Pharmacy, VScript, Healthy Vermonters – Vermont’s state prescription drug benefit plans for low-income, Medicare-ineligble and/or retired Vermonters aged 65 or older.

Long-Term Disability – The state of Vermont’s Department of Disabilities, Aging and Independent Living (DAIL) administers programs for its residents who are unable to care for themselves and do not have family members or other financial resources to assist them.

Eligibility for individual and family benefits under Green Mountain Health programs is primarily dependent upon income. The majority of the plans are free of charge or subject to a minimum premium, depending on the income of the applicant.

Vermont Individual Health Insurance

With the fact that many of today’s businesses no longer offer health insurance to employees, individuals in Vermont are suddenly finding themselves let go from jobs that offered group health insurance. As a Vermont resident, individual health insurance is an affordable option you should consider. Your ability to buy individual health coverage may depend on your health status, and the carrier you choose.

There are certain circumstances, however, when you must be allowed to buy individual health coverage. In general, companies that sell individual health insurance in Vermont are free to turn you down because of your health status and other factors. When applying for individual coverage, you may be asked questions about health conditions you have now or had in the past. Depending on your health status, insurers might refuse to sell you coverage or offer to sell you a policy that has special limitations on what it covers, including any pre-existing health conditions that you may have.

Vermont Group Health Insurance

In an effort to stay financially viable, many Vermont employers are increasing premium rates for their employees who elect to join their group health plan, if such a benefit exists at all. This is resulting in a growing number of employers in Vermont terminating group health coverage as an employee benefit. Individual coverage is becoming a more attractive option for individuals and families who need affordable healthcare. In response, major insurance carriers are now offering affordable individual health insurance policies that weren’t available before national healthcare reform proposals began circulating in Congress.

Vermont Family Health Insurance

Choosing quality, affordable health insurance in Vermont can be difficult due to the range of plans available. With an increasing number of options and providers, it’s important to carefully compare policies and choose the one that is best for you and your family’s needs.

Normally, family health insurance plans consist on an individual (usually a parent or other adult) adding immediate family members to their policy. Affordable family health insurance usually costs less than having a separate health insurance policy for each person in your family since the financial risk to the insurer is spread between allcfamily members in the plan. A family health insurance plan usually has a higher coverage cap or lower combined deductible than an individual one.

Vermont Short Term Health Insurance

Temporary circumstances don’t need to leave you or your family uninsured. With short term health insurance, you will be protected if a medical emergency strikes. Cheap short term health insurance in Vermont 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.

Vermont Student Health Insurance

Student insurance is often overlooked until a major medical catastrophe affects the college-bound child in the family. Since minor children are typically covered under a family health insurance policy, many parents assume that their coverage will follow their college-bound child with them to school.

But many colleges and universities require proof of health insurance for students; even if yours does not, student health insurance will probably end up paying for itself. While your college-bound student may be young and healthy now, sudden illness and accidents can happen. The financial impact of an accident or medical complication while uninsured and in college can result in significant medical debt in addition to student loans!