Vermont Health InsuranceIndividuals and Families
Vermont Health Insurance
How to find an affordable plan.
Vermont health insurance is easy to evaluate thanks to an annual performance scorecard created by the Department of Financial Regulation. The scorecard rates different insurance plans annually and then looks at the same plans over extended periods of time. This system allows the consumer to not only look at recent performance but also to consider the longevity of health care excellence. Health insurance performance is divided into four categories: experience of care and service, preventative care, acute illness care, and chronic illness care. Under each category are specific service areas that range from the basic such as call answering and claims handling to the more complex such as imaging studies for low back pain and management of long-term medicines. The scorecard not only ranks Vermont health insurance plans against one another, it also compares them against health plans nationally and within the New England region of the United States. This health plans report card is the first place to start when looking for affordable health insurance.
Leading Vermont Health Insurance Companies
Additional Health Coverage Considerations
If you suddenly find yourself without a job that used to provide you with health insurance one of the first things you can do is call the company and see if they have conversion available. Some companies allow you to convert your policy from your employer's group policy to an individual policy. This can help you keep your family insured until you find a more affordable health insurance policy if necessary. When comparing affordable health insurance look for expenses that might be hidden to reflect a cheaper price. High deductibles and co-payments can mean you pay much less on a monthly basis, but have to cover difficult medical fees before your health insurance will kick in. If you are single and young a health savings plan can be a good idea. If you rarely go to the doctor and can't remember the last time you were sick a health savings plan will let you save money for accidents or serious illness without having to pay expensive health insurance premiums you may never need.
However if you have a family, or prefer to be able to see a doctor for routine physicals and know you can get care immediately if needed a solid affordable health insurance program from a company like Aetna Health Insurance is your best bet. Nationwide companies give you the lower cost health insurance premiums backed by their large number of members and also many wellness programs and lots of information to help keep yourself and your family in good health. If you or a member of your family has a pre-existing condition that you are being treated for make sure the companies you are considering will continue your treatment without interruption. Having to wait a certain amount of time for treatment or pay the costs out of pocket can be prohibitive and lead to a more serious condition. Many HMOs allow immediate coverage for pre-existing conditions even though they have limits such as having to choose a primary care doctor. Make sure in those cases that your current physician is included in your new health insurance company's plan so that you do not have to change doctors mid-treatment.
Health Insurance Exchanges in Vermont
To learn more about the benefits of the Health Insurance Exchange in your state, click here
Resources and Information
Vermont 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:
Vermont Doctor Directory
Doctors practicing medicine in the State of Vermont are licensed by the state. Doctors accept different forms of health insurance which you can verify before setting an appointment.