Individual Alabama Health Insurance Plans

   Taking the current scenario in Alabama into view, the situation is such that the total numbers of adults within the age group of 19 to 64 who are uninsured have reached a considerable number. Well that accounts for around 19% of the total population of the state and that is quite an alarming fact.

   Taking a stretch of 6 years into consideration, starting from 2000 and coming all the way to 2006, the rate of the family health care premiums have risen by a total of 80.7%. However, the rise in the rate of the family earnings is just a mere 13.1%. On the other hand, the premiums for the individual coverage plans have also risen from a $547 to a whopping $850 which is a decent rise by a 55.4%. Given these statistical details, it has become more than necessary and to a large extent indispensable for all the potential customers to carry out sufficient research. This way, it will be possible for them to find the most affordable and quality Alabama Health Insurance according to their needs and requirements.

   By law, the state of Alabama doesn’t need health insurers to sell the standard policies in the individual markets. However, as the insurance providers can design and plan various kinds of variant policies, hence it becomes more than necessary for the prospective customers to first thoroughly read and carry out a comparison of each of the Alabama Health Insurance plans with ultimate attention.

   But then the state of Alabama does need each of the insurers to offer coverage for a few particular benefits which include,Charges and expenses for a stay at the hospital post delivery
Screening for breast cancer
Screening for cervical cancer

   In addition, if you are a resident of Alabama, the procedure of medical underwriting is provided to you without any kind of restrictions. As a part of this procedure, the insurer also gets the chance to go through the customers’ detailed medical history. For the coverage requirements of all the pre-existing conditions, the insurance companies may often choose to look back at the entire medical health for the last 60 months. They are also given the provision to impose a 12 month period of exclusion for any of the pre-existing conditions.

What are the high risk pools?

   The high risk pools are where you can find the high risk Alabama Health Insurance plans. In order to be held eligible for such coverage, the individual, first and foremost, needs to be a resident of Alabama. Along with that, the prospective policy buyer also needs to have minimum and continuous health coverage with no lapse for a stretch of 63 days at the least.

   The various elements that are covered under the dimensions of the high risk health insurance are, all the prescription drugs, the expenses for all the visits to the doctors and other medical professionals, expenses for in patient or out patient treatments, maternity and delivery expenses, transplants and rehabilitation, x-rays and laboratory charges, charges of using durable medical equipment of the most complex kind and charges for substance abuse and mental health treatments.

   However, this particular alabama health insurance is provided to them only if they do not have insurance at all or are under insured. To know more about alabama health insurance, please visit our website.

Article By: davidwagh