Alabama is a state in US, which heavily invest on the aspects of the health and health care prospects like insurances. Alabama health insurance is one of the principal elements on which the governor of the state has put his eye for development. In the recent years this has been felt through various aspects. Many ground breaking decision like allowing the small business with tax breaks in case they are bringing their employees into the health insurance scheme has also been taken.
Some of the key features of Alabama heath insurance:
Same price: No matter from where the individual draws there insurance policy, the rates or premiums are quite about the same. This is because the law prohibits any individual at Alabama to sell any Alabama health insurance policy at a price higher than it’s original. It does not matter whether any individual is based at Montgomery or they are buying it from any of their favorite insurance provider and even those who are not known. The price for the health insurances always remains the same.
Understand: Read and understand the policy details before making any decision for the same. Most people do not understand the policy and they do not care to understand any details whatsoever at any point in their life. This case is the same for any people living anywhere in Alabama or in United States.
No guarantee: The Alabama health insurance is quite about the same as the health insurance in the other states. There is no guarantee given to any individual that their application will not be rejected. Any person who is applying for insurances in the state of Alabama is checked for the medical fitness and for pre-existing condition from which they are suffering. Based on the factor judged by the policy provider, the policy is sold off. If any person is suffering from any pre-existing condition, then it is better for them to enroll in any group policy which does not have this rule. According the law, Alabama State does not penalize any company for not offering health insurance to any individual.
Choice: There are mainly two choices for the health insurances in Alabama. One is the HMO plan and the other plan is the PPO plan. According to Alabama State law, any company which is under the state and operating with more than 25 employees, have to offer a HMO plan. This act was passed on 1973 under the ‘Health Maintenance Organization’.
Options on dental plans: It has been observed that there are different plans and policies under the health insurances in Alabama, but the one with the largest choice is the dental plan. Apart from HMO and PPO plans in dental insurances, there are discounted deals as well. These discounts are sometimes from about 50% to about 60%. You only need to pay about $9 per month.
Health insurance in Alabama is quite about the same as the insurances in other states. One has to be careful and follow their Math properly before making any commitments to the insurance provider. Otherwise, one may end up paying more.
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 http://www.healthinsuranceweb.com/states/alabama-health-insurance/
Article By: davidwagh