• Kentucky
  • Alabama
  • Arkansas

Kentucky

Health Insurance in Kentucky

There are several insurance companies that offer traditional and guaranteed health insurance plans in Kentucky both for families as well as individuals. The plans that provide you to choose your own doctors and have more control on your health care costs and decisions are popular with many. Though getting traditional health insurance shouldn’t be a problem in most cases, some insurance companies, at times, may deny you coverage for various reasons. The solution under such circumstances is the coverage offered by KCHIA or Kentucky Comprehensive Health Insurance Association.

Health Insurance for Individuals in Kentucky

Unlike many other states, individual health insurance for all in Kentucky are quite affordable for you to consider. However, your health plays a role in the eligibility of such plans. There are different policy options such as:

  • HMO
  • PPO
  • HAS
  • POS
  • Guaranteed issue insurance
  • Life insurance
  • Critical insurance
  • Child-only Health Coverage

All of these plans have different set of coverage options and premium rates. Therefore, you must analyze them before choosing.

Group Health Insurance in Kentucky

Group health insurance plans in Kentucky are offered to employees of organizations and business. They are quite inexpensive compared to the individual plans.
There are plans that are applicable for smaller groups as well as larger groups of employees. However, several factors like the contribution rates, rate of participation, number of employees etc determine the insurance coverage and premium rates.

Short Term Health Insurance in Kentucky

The short term insurance plans can be the only savior at times when you are

  • out of college
  • on strike
  • on a wait period before your new employment
  • between jobs
  • unemployed

Though these plans provide you with immediate money to cover medical emergencies, they are limited indemnity plans. Even pre existing health conditions are not accepted by such plans.

Student Health Insurance in Kentucky

Once you are in college, you may not be covered under the insurance plans of your parents and hence will have to own a separate insurance plan. There are various types of student health insurance plans in Kentucky such as mini-medical, short term, permanent policy etc. from which you can choose.
With several options for traditional and guaranteed issue health plans in Kentucky, it becomes necessary for you to understand the extent of coverage, benefits, rates etc,  and compare plans before you decide on one.

 

Alabama

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Health Insurance in Alabama

Being a parent, a guardian, or an employer puts one in a position of being the ‘beholder’, who has been endowed with the responsibility of ‘protecting’. If you are a parent, your child would inevitably need health coverage to ensure cost coverage for medicines and treatments should he/she get ill.  If you are an employer, your employee would deserve a health insurance too, which is why you would need to get one for them to encourage productivity and protect their interests. Thus, it becomes important to have a clear idea regarding Alabama health insurance services.

Health Insurance for individuals in Alabama

To precisely emphasize the reasons why an individual in Alabama needs health insurance, here are a few statistics to refer to. The past decade has seen a gradual rise in ‘uninsured’ individuals, the present figures standing at 15.9 per cent. Alabama is ranked 49th in terms of obesity, premature death, and deaths due to cardiovascular disorders; 5th in terms of binge drinking and 10th with respect to public health funding. Individual health insurance, especially guaranteed health insurance for those who are denied by traditional insurance policies, is starkly a necessity in Alabama.

Group Health Insurance in Alabama

Health insurances, especially when they pertain to individual insurance plans, do not act benevolently. Hence, a group benefit plan would be the ideal choice, as they bring down the costs as compared to family insurance and individual benefit plans since the cost of medical services is spread over a larger number of people. Getting pre existing health insurance for groups at pocket-friendly rates in Alabama can also become easier as compared to individual plans. 

Short Term Health Insurance in Alabama

A short term health insurance plan offers coverage for a short duration, which could be anywhere between 1to 12 months. Such plans are ideal for people who are

  • About to join a new job
  • between jobs
  • awaiting the group coverage to begin with, or
  • fresh college graduates

Though these insurances do not cover pre-existing conditions, you can get time to figure out the right guaranteed health insurance policy to buy and make it through the waiting period without feeling insecure.

Student Health Insurance in Alabama

There are a number of health coverage options for Alabama students, which may cater to their respective situations. Some of these are Stay on Parents Plan, Student Health Plan, School Sponsored Plans, and Individual and Family Plans. Though your college or university would offer basic health care services, the cost of which is included in your tuition fees, it’s advisable to get a reasonably priced student health insurance plan that would cover costs of hospitalizations and diagnostic centers, as well as expenses for visits to specialists, and primary care physicians.
So, depending on your situation, needs and budget, select an Alabama health insurance plan to live a stress free life and get adequate coverage for medical and healthcare costs.


Arkansas

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Health Insurance in Arkansas

According to recent statistics, about 17 per cent of the population in Arkansas is uninsured. While some people don’t realize the importance of having health insurance coverage, some others know about different plans but don’t get one as they feel the costs are too steep to afford. However, such a large number of people living uninsured means that they are at a high risk and may be incapable to afford their own health expenses. If you live in Arkansas and are yet to get health insurance coverage, here are some options to consider.

Individual Health Insurance in Arkansas

Companies and insurers offering individual health insurance plans in Arkansas would want to know your health status before issuing you their policies. The companies offering g such plans have the advantage of being the deciding authority on whether to accept or turn down an application. Depending on the existing health status of an individual, age, and some other factors, companies can deny your policy appeal or deny you coverage. Some plans for pre existing conditions may have a waiting period during which coverage for the condition isn’t offered. Nevertheless, there are many plans, including guaranteed health insurance policies, from which you can take your pick.  

Group Health Insurance in Arkansas

Business organizations in Arkansas have a lot to gain from group health insurances. They are the most effective way of retaining employees who have exhibited commendable performance, as by offering them health coverage, you can ensure a secure future for them should any medical emergency arise. These group health insurances are affordable for the employees as well, as the cost gets dissipated amongst many people. 

Short Term Health Insurance in Arkansas

Short term health insurances shouldn’t be depended upon for a prolonged time. They are just buffer policies, which help an individual when he or she is going through a change of employment, or is awaiting the approval of a traditional health policy. Such policies are not meant for any sort of pre-existing condition, and people shouldn’t count on such policies for the same.

Student Health Insurance in Arkansas

Health is priceless and shouldn’t be taken lightly. Even as a student, one should get health insurance and not refuse it just because he/she is in good health. While some colleges and universities may need you to have a health insurance prior to getting admitted into their programs, some others may give you the leeway. Whatever be the situation, it would be prudent to get a student health insurance policy in Arkansas, whose coverage is full proof and well-guaranteed.
So, get the right health insurance in Arkansas today to make sure that you are not unprepared to face a medical emergency.

 

Kentucky

Health Insurance in Kentucky

There are several insurance companies that offer traditional and guaranteed health insurance plans in Kentucky both for families as well as individuals. The plans that provide you to choose your own doctors and have more control on your health care costs and decisions are popular with many. Though getting traditional health insurance shouldn’t be a problem in most cases, some insurance companies, at times, may deny you coverage for various reasons. The solution under such circumstances is the coverage offered by KCHIA or Kentucky Comprehensive Health Insurance Association.

Health Insurance for Individuals in Kentucky

Unlike many other states, individual health insurance for all in Kentucky are quite affordable for you to consider. However, your health plays a role in the eligibility of such plans. There are different policy options such as:

  • HMO
  • PPO
  • HAS
  • POS
  • Guaranteed issue insurance
  • Life insurance
  • Critical insurance
  • Child-only Health Coverage

All of these plans have different set of coverage options and premium rates. Therefore, you must analyze them before choosing.

Group Health Insurance in Kentucky

Group health insurance plans in Kentucky are offered to employees of organizations and business. They are quite inexpensive compared to the individual plans.
There are plans that are applicable for smaller groups as well as larger groups of employees. However, several factors like the contribution rates, rate of participation, number of employees etc determine the insurance coverage and premium rates.

Short Term Health Insurance in Kentucky

The short term insurance plans can be the only savior at times when you are

  • out of college
  • on strike
  • on a wait period before your new employment
  • between jobs
  • unemployed

Though these plans provide you with immediate money to cover medical emergencies, they are limited indemnity plans. Even pre existing health conditions are not accepted by such plans.

Student Health Insurance in Kentucky

Once you are in college, you may not be covered under the insurance plans of your parents and hence will have to own a separate insurance plan. There are various types of student health insurance plans in Kentucky such as mini-medical, short term, permanent policy etc. from which you can choose.
With several options for traditional and guaranteed issue health plans in Kentucky, it becomes necessary for you to understand the extent of coverage, benefits, rates etc,  and compare plans before you decide on one.

 

Alabama

Untitled Document

Health Insurance in Alabama

Being a parent, a guardian, or an employer puts one in a position of being the ‘beholder’, who has been endowed with the responsibility of ‘protecting’. If you are a parent, your child would inevitably need health coverage to ensure cost coverage for medicines and treatments should he/she get ill.  If you are an employer, your employee would deserve a health insurance too, which is why you would need to get one for them to encourage productivity and protect their interests. Thus, it becomes important to have a clear idea regarding Alabama health insurance services.

Health Insurance for individuals in Alabama

To precisely emphasize the reasons why an individual in Alabama needs health insurance, here are a few statistics to refer to. The past decade has seen a gradual rise in ‘uninsured’ individuals, the present figures standing at 15.9 per cent. Alabama is ranked 49th in terms of obesity, premature death, and deaths due to cardiovascular disorders; 5th in terms of binge drinking and 10th with respect to public health funding. Individual health insurance, especially guaranteed health insurance for those who are denied by traditional insurance policies, is starkly a necessity in Alabama.

Group Health Insurance in Alabama

Health insurances, especially when they pertain to individual insurance plans, do not act benevolently. Hence, a group benefit plan would be the ideal choice, as they bring down the costs as compared to family insurance and individual benefit plans since the cost of medical services is spread over a larger number of people. Getting pre existing health insurance for groups at pocket-friendly rates in Alabama can also become easier as compared to individual plans. 

Short Term Health Insurance in Alabama

A short term health insurance plan offers coverage for a short duration, which could be anywhere between 1to 12 months. Such plans are ideal for people who are

  • About to join a new job
  • between jobs
  • awaiting the group coverage to begin with, or
  • fresh college graduates

Though these insurances do not cover pre-existing conditions, you can get time to figure out the right guaranteed health insurance policy to buy and make it through the waiting period without feeling insecure.

Student Health Insurance in Alabama

There are a number of health coverage options for Alabama students, which may cater to their respective situations. Some of these are Stay on Parents Plan, Student Health Plan, School Sponsored Plans, and Individual and Family Plans. Though your college or university would offer basic health care services, the cost of which is included in your tuition fees, it’s advisable to get a reasonably priced student health insurance plan that would cover costs of hospitalizations and diagnostic centers, as well as expenses for visits to specialists, and primary care physicians.
So, depending on your situation, needs and budget, select an Alabama health insurance plan to live a stress free life and get adequate coverage for medical and healthcare costs.


Arkansas

Untitled Document

Health Insurance in Arkansas

According to recent statistics, about 17 per cent of the population in Arkansas is uninsured. While some people don’t realize the importance of having health insurance coverage, some others know about different plans but don’t get one as they feel the costs are too steep to afford. However, such a large number of people living uninsured means that they are at a high risk and may be incapable to afford their own health expenses. If you live in Arkansas and are yet to get health insurance coverage, here are some options to consider.

Individual Health Insurance in Arkansas

Companies and insurers offering individual health insurance plans in Arkansas would want to know your health status before issuing you their policies. The companies offering g such plans have the advantage of being the deciding authority on whether to accept or turn down an application. Depending on the existing health status of an individual, age, and some other factors, companies can deny your policy appeal or deny you coverage. Some plans for pre existing conditions may have a waiting period during which coverage for the condition isn’t offered. Nevertheless, there are many plans, including guaranteed health insurance policies, from which you can take your pick.  

Group Health Insurance in Arkansas

Business organizations in Arkansas have a lot to gain from group health insurances. They are the most effective way of retaining employees who have exhibited commendable performance, as by offering them health coverage, you can ensure a secure future for them should any medical emergency arise. These group health insurances are affordable for the employees as well, as the cost gets dissipated amongst many people. 

Short Term Health Insurance in Arkansas

Short term health insurances shouldn’t be depended upon for a prolonged time. They are just buffer policies, which help an individual when he or she is going through a change of employment, or is awaiting the approval of a traditional health policy. Such policies are not meant for any sort of pre-existing condition, and people shouldn’t count on such policies for the same.

Student Health Insurance in Arkansas

Health is priceless and shouldn’t be taken lightly. Even as a student, one should get health insurance and not refuse it just because he/she is in good health. While some colleges and universities may need you to have a health insurance prior to getting admitted into their programs, some others may give you the leeway. Whatever be the situation, it would be prudent to get a student health insurance policy in Arkansas, whose coverage is full proof and well-guaranteed.
So, get the right health insurance in Arkansas today to make sure that you are not unprepared to face a medical emergency.