Alabama



 

About Health Insurance in Alabama

In Alabama, there are fewer options in health insurance than a more densely populated state, however several top companies are still available: Celtic, Blue Cross Blue Shield, Humana and UnitedHealthOne. These companies have proven reliable over a long period of time and offer great services to Alabama residents.

Statistics

  • Total Population: 4,660,300
  • Total Uninsured Population: 744,100 (16%)
  • Health Expenses Per Capita: $6,272
  • Average State Premium for Individual Health Insurance: $136

Information provided by Kaiser Family Foundation, 2010.

Choosing a Plan in Alabama

Within these few, yet strong companies, there is still a wide variety of selection to be made. East Coast Health Insurance makes it easy for you to get a quote, either through the site or by one of our experts finding the best rates for you over the phone.

Alabama Health Insurance Laws

In Alabama, there are not many health insurance regulations. The few that are in place are very important to keep in mind when considering which kind of medical coverage is best. Laws are established throughout the state, therefore, all medical insurance companies and those who buy insurance are liable to follow them.

Pre-Existing Conditions

Companies that sell health insurance in Alabama are not allowed to extend an exclusion period for a pre-existing condition  past 2 years. Whether you have a pre-existing condition is decided upon by your insurer, and is usually based on receiving treatment for an illness or have had the condition for at least five years before enrollment in an insurance plan. As long as the exclusion period lasts, the insurance company will not cover their medical expenses related to the pre-existing condition.

Guaranteed Renewability

Insurers in Alabama are required to include a provision in every health care plan that ensures the policy-holder continued benefits if they pay their premium costs.

For further information and more laws, consult the Alabama Department of Insurance website.

 

 

Sources:

1.Kaiser Family Foundation, “Alabama – State Health Facts”. www.statehealthfacts.org

2. Health Insurance In-Depth, “Health Insurance Regulations State-by-State”. www.healthinsuranceindepth.com