There are certain kinds of protections that you get to enjoy when going for a group health insurance plan in Alabama. The Group Alabama Health Insurance Plans are as always offered by the lobar unions or the employers to their employees. However, the protection levels may vary on the basis of the fact as to whether your plan is a completely insured group health plan or a self insured Alabama Health Insurance Plan.
In general, being a resident of Alabama, if you want to be covered under a group health plan it would be necessary for you to stand up to each of the criteria necessary for fulfilment. For instance, it may be so that your employer wont be giving health benefits to each of you, meaning all the employees in his firm. Or else it may also be possible that the employer offers an HMO plan for the all of you who work for him. But it may be so that you are unable to join the HMO plan as you live in an area that falls outside the service area of the plan.
But then one thing that you need to remember is that as an employee you can at no point of time be charged extra or just turned away only because you do not have an absolute health plan in place. The health status is inclusive of all the genetic details, disabilities you may have along with a full fledged medical history of your health system. This is a particular protection that covers all employees and is appropriately termed as the Non-discrimination coverage.
Often the employers may try to restrict the limit of the coverage or even refuse to pay it for various reasons. Some of the most common grounds on which he may refuse an Alabama Health Insurance for you are as follows
In case you work less than 30 hours every week
If you are just a temporary employee
On such grounds, the employer may refuse to grant a health care coverage even if they are not directly related to the status of your health.
The good news is that any kind of discrimination on the basis of the health status in case of group healthcare insurance is not permitted in Alabama. It may be that the full time permanent employees are offered a high option plan. But that does not mean that the rest of the employees are completely overlooked. The companies are supposed to act accordingly as that is how it is dictated by the Law of Alabama.
All employees are entitled to a special opportunity to sign up for getting covered by a Group Healthcare plan in case they want to go that way. They are entitled to a 30 day opportunity to get themselves enrolled in the group health plans in case they need a bit of time to take care of unavoidable circumstances that may occur. Finally, if you find that the group healthcare plan you are enrolling for also offers to cover your family, all those family members who are dependant on you might also go for the plan as well.
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