Alabama Health Insurance
Alabama HEALTH INSURANCE PROGRAMS
Medicaid - This is the federal and state health care program for low-income children, pregnant women and adults. Health benefits for Medicaid are administered and regulated on a state-to-state basis.
All Kids - All Kids is Alabama's State Children's Health Insurance Program (SCHIP) for children who do not qualify for Medicaid, but are unable to afford private coverage.
Alabama Breast and Cervical Cancer Early Detection Program - Some women who are diagnosed with breast or cervical cancer are eligible for full insurance coverage through this program administered by Medicaid.
Common Health Conditions in Alabama
- Heart Diseases
- Cancer
- Stroke
- Respiratory diseases.
Alabama Health Insurance Regulations
Alabama has fewer insurance regulations than other states. Still, it's important to familiarize yourself with them, so you're more confident and wise in your purchases. Health insurance policies are regulated by each state's own health insurance laws. Alabama health insurance companies and policyholders alike must abide by established insurance laws. Some of the most important Alabama health insurance laws to be concerned with are the ones regulating the health insurance policy specifically. Also, Alabama health insurance companies can not include in their policies a pre-existing condition exclusion period of more than 2 years. Pre-existing conditions are determined and defined by your health insurance company, though they typically include illnesses you have previously obtained medical care for or were diagnosed for 5 years prior to the beginning of the plan. During the exclusion period, the health insurance company is not responsible for covering the cost of treating the pre-existing condition. If you fulfill a pre-existing condition exclusion period under one health insurance policy and then decide to change insurance plans, you can be subjected to another exclusion period. Alabama health insurance laws restrict the exclusion period to two years but then do not limit the conditions that can be excluded. The other area of importance in regards to health insurance laws in Alabama is the degree of influence your health insurance company has over your policy and its price. The State of Alabama health insurance regulations aren't very restrictive of insurance companies, which means, as a policyholder, you need to be more attentive to the precise meaning of your health insurance policy's wording. When you originally submit your health insurance application, Alabama health insurance companies can refuse to offer you health insurance coverage because of your health. If an insurance company agrees to sell you a policy, your health status can be used to determine the price of the policy. However, anyone buying an Alabama health insurance policy has the protection that once the policy is purchased, it is illegal for Alabama health insurance companies to cancel your health insurance coverage on the grounds of illness. These limitations and allowances are certainly not the only ones, but they hold the most importance.
Alabama
P.O. Box 303017
Montgomery, AL 36130-3017
Website: http://www.adph.org/contactus.asp?id=1216
Phone: 334-206-5300 (8am - 5pm)
Fax:
