health insurance plansHealth Insurance Plans are somewhat dependent upon your current health status. However, even if you are sick, the laws protect you. Coverage under a group health insurance plan (if your employer offers one) cannot be denied or limited, nor can you be required to pay more, because of your health status. This is called nondiscrimination.

All group health insurance plans must limit exclusion of pre-existing conditions. There are rules about what counts as a pre-existing condition and how long you must wait before a new health insurance plan will begin to pay for care for that condition. Generally, if you join a new group health plan your old coverage will be credited toward the pre-existing condition exclusion period, provided you did not have a long break in coverage. Your health insurance cannot be canceled because you get sick. All health insurance is guaranteed renewable.

If you leave your job, you may be able to remain in your old group health plan for a certain length of time. This is called COBRA coverage. It can help when you are between jobs or waiting for a new health plan to cover your pre-existing condition. There are limits on what you can be charged for this coverage.

If you lose your fully insured group or individual health plan and meet other requirements, in most cases you can buy a group or individual conversion policy if you convert within 31 days. You will not face a new pre-existing condition exclusion period. There are no limits on what you can be charged for a conversion policy and the benefits may not be as generous as your prior coverage.

If you are federally eligible, you are guaranteed the right to buy an individual health plan from any insurance company that sells such plans. Insurance companies must offer you a choice of at least two health insurance plans. However, they may charge you significantly higher premiums due to your health status, age, or other factors (get into shape and reduce your premiums).

If you have low or modest household income, you may be eligible for free or subsidized health coverage for yourself or members of your family. The Medicaid program offers free health insurance plans for pregnant women, families with children, elderly and disabled individuals with very low incomes.

If your children are 18 years old or younger, do not have health insurance Arizona, and meet other qualifications, you may be able to buy health insurance plans for them through KidsCare.

Back to the top of Health Insurance Plans.

Technorati Tags: ,