Alabama Health InsuranceIndividuals and Families
Alabama Health Insurance
How to find an affordable plan.
Getting affordable health insurance is a primary concern for most people in Alabama. Health insurance is important because there is absolutely no way you can tell when you will need it. Searching online and comparing quotes is the best way to make sure the plan you choose has the coverage you need. If you are working check with your employer to see if they have coverage that you can participate in. If you are unemployed make good use of government programs to be sure your family is taken care of. If neither applies, however, don't delay in looking for affordable health insurance. Alabama has some of the best hospitals in the country and yet far too many residents of Alabama go without needed medical attention because they haven't found a health insurance program they feel they can afford. When it comes to your health you can't afford not to have major medical coverage. The need for medical attention doesn't even always mean illness; accidents are often unavoidable and emergency care is unavoidable as well. Emergency room care is extraordinarily expensive if you do not have health insurance. The lack of affordable health insurance is the leading cause of bankruptcy all over the nation and it simply does not have to be.
Leading Alabama Health Insurance Companies
Health Insurance for Individuals with Medical Conditions
Individual and family health insurance in Alabama is necessary for those not covered by their employer's group health plan. As in many states, your options in the state of Alabama are somewhat limited. Your overall health and any pre-existing medical conditions play a major role in the type of health insurance plans that you can choose from. If you do have pre-existing medical conditions, health insurance carriers in Alabama are legally allowed to deny you coverage. Under most individual health insurance plans, a pre-existing condition is one that has been present within 5 years of your application for coverage. However, if you were to get sick while being covered by an individual and family health insurance plan in Alabama, your coverage cannot legally be canceled by the carrier.
If you lose your job in the state of Alabama, you still are eligible to continue your group health insurance plan, for a limited amount of time, under a program called COBRA. If you are not eligible under your employer's group plan or if your COBRA coverage period has passed, an Alabama Health Insurance Plan (AHIP) might be your best option.
Alabama Health Insurance Plan (AHIP)
The Alabama Health Insurance Plan provides health insurance coverage to high-risk individuals and families. United Health Care in Alabama offers the Managed Care Plan, and Blue Cross Blue Shield of Alabama offers the Traditional Indemnity Plan. The plan offered by United Health Care requires you to select from their network of hospitals and doctors, but has limits on out-of-pocket expenses. The plan offered by Blue Cross Blue Shield of Alabama lets you choose your doctors and hospitals from a larger list, but requires higher out-of-pocket contributions.
Resources and Information
Alabama Medicare Plans
Seniors age 65 and older are eligible for a variety of Medicare plans in Ohio. Medicare plan options include Medigap and Medicare Advantage policies:
Alabama Doctor Directory
Doctors practicing medicine in the State of Alabama are licensed by the state. Doctors accept different forms of health insurance which you can verify before setting an appointment.