Alaska Individual Health Insurance
While arguments rage over the availability of so-called Universal Healthcare, one thing remains consistent: affordable healthcare is a fleeting fancy. For the lucky Americans who have health insurance, going to the doctor or getting prescriptions filled is peace-of-mind 46-million (Source: US Census Bureau) only dream about. For them, the reality is often the stark possibility that a life-saving medical treatment or short stay in the hospital almost certainly mean eventual bankruptcy or, at the very least, long protracted battles with billing department and collections agencies. If you’re one of those unfortunate residents who need affordable Alaska health insurance for you and your family, IndividualHealthInsurance.org is here to help.
We’re ready to help put you in touch with top Alaska health insurance providers who will provide free, no-obligation quotes. Having a health insurance policy to at least cover basic emergency medical expenses or routine care may be the difference between a short stay in the hospital and forfeiting your retirement savings. Some states also extend coverage to include disability and long-term care.
Alaska Individual Health Insurance
Did you know that in Alaska health insurance companies are allowed to deny individual health insurance coverage to persons with pre-existing conditions? This decision is not solely based on your current health, but rather is based on both your current health status and your medical history which can date back as much as 5 years. Some Alaska health insurance companies will not outright deny coverage for pre-existing conditions, but may choose to offer a policy with inflated premiums or high deductibles to offset future expenditures. Another tactic taken by health insurance companies is to attach a rider, a written addendum, to the policy which will stipulate an exemption of coverage for a specific pre-existing condition either for a limited amount of time or for the life of the policy. It’s important that you read through your individual health insurance policy very carefully so that you will know what coverage to expect when you are faced with the inevitable medical expenses that will crop up in your life.
Alaska Group Health Insurance
The rules governing Alaska group health insurance mirror those for all of the other states- that is, group health insurance policies are for companies which have between 2 and 50 employees. That does not mean, however, that all employees are covered by the group health insurance plan- those employees who live outside of the area covered by the policy and part-time employees are often not allowed to participate in group coverage. Like most insurance policies, there may be provisions included that allow for exclusion of coverage for pre-existing conditions for a period of time. The difference with group health insurance exclusions is that it is the employer who dictates the exclusions rather than the health insurance providers. If you qualify for group health insurance and have met all of your company’s preconditions, however, you will not be denied coverage regardless of the state of your current health.
Alaska COBRA Insurance
For you to be able to apply for COBRA coverage, in accordance with Alaska health insurance rules, your former employee must have at least 20 staff members in their employ. Those eligible for COBRA will be able to remain covered for up to 18 months. For disabled persons the coverage is increased to 29 months; eligible dependents may be able to remain covered by COBRA for up to 36 months. Remember, COBRA is merely an extension of the benefits you received from your previous employers. Therefore, should the health insurance policy held by the company or organization be cancelled for any reason, your COBRA benefits would also come to an end. If your coverage is ending or has ended, you may be entitled to further health insurance coverage with the Alaska Comprehensive Health Insurance Association (ACHIA).
Peace-of-Mind is only a Few Clicks Away
Having read through the various types of health insurance, you are now well armed with the knowledge you need to confidently navigate through most health insurance policies. If you have health insurance coverage through COBRA or your employer, take a moment to glance through your benefits to make sure it covers you adequately. If you don’t have health insurance or want to seek out additional coverage, fill out the form at IndividualHealthInsurance.org so you can receive your free health insurance quotes. Don’t let soaring healthcare costs take away those assets you worked so hard to build.
