Health Insurance

During these tough economic times, many people are facing layoffs. Of those fortunate individuals who are able to retain their jobs, many are being told by their employers that they will either be eliminating or reducing health care benefits. Consequently, many people are searching for good quality, affordable Alaska health insurance. And where are thousands of people getting the information they need? At insuranceUSA.com! The site to turn to for reliable health insurance quotes. Simply put, health insurance is an insurance which pays for medical expenses, whether routine or emergency care. Many states have now expanded coverage to include all important disability and long-term care benefits.

In this article, you will find helpful information regarding all the regulations surrounding Alaska health insurance. This detailed information is useful whether you are searching for individual or small group coverage. It also includes the basic facts concerning COBRA, which stands for the Consolidated Omnibus Budget Reconciliation Act of 1986. The majority of users of COBRA insurance are those people who have lost their primary means of health insurance, usually through the loss of employment. COBRA coverage gives them the right to continue group health insurance benefits, but for a limited time and also most often at their own expense.

You will also be provided with some convenient statistics which will allow you to compare the health of people living in Alaska with the health of residents who live in other states.

This article will provide you with all the information needed about Alaska health insurance and allow you to make a knowledgeable and well-informed decision concerning your health insurance needs. Once you have read and learned what is available to you and selected your options, insuranceUSA.com will be ready to furnish you with quotes for the exact type of personalized health insurance plan you have chosen.

Alaska Individual and Family Health Insurance
Alaska does not regulate the types of individual or family health insurance policies that are written or regulated by insurance companies. Alaska health insurance companies are allowed to design their own policies and they may choose whatever options they wish to offer- including benefits, co-insurance limits, deductibles. Some benefits, such as mammography, are mandated by the state. For individual health plans, all insurance companies in Alaska have the right to deny coverage to any person based on their current or past health history. If you are applying for individual health coverage and you have a pre-existing medical condition, the Alaska health insurance company has different actions they can take concerning your application. Firstly, they may categorically deny you all medical insurance coverage. Secondly, they may offer you coverage but refuse to cover any medical expenses related to the pre-existing condition. Thirdly, they may offer you full coverage, including coverage for the pre-existing condition. The insurance company makes this determination usually based on the severity of the pre-existing condition and also the estimated costs anticipated to maintain and treat the condition. These pre-existing conditions can be excluded for up to 24 months in a new policy. Alaska health insurance companies are not required to give credit for prior insurance coverage.

Alaska Group Health Insurance
To qualify for Alaska health insurance, a company must have between 2 and 50 employees on staff. However, a company is not required to offer Alaska health insurance to all employees. For instance, those who only work part-time, or who do not live within the insurance service area may not be eligible for the group coverage. Under Alaska health insurance regulations, an employer may require a waiting period before employees are able to obtain group insurance. This waiting period is decided on by the employer, and not the insurance company. Pre-existing conditions may make an employee ineligible for total coverage under their plan. This usually applies to conditions that you were treated for within the past six months prior to the start date of coverage. However, there are types of Alaska health insurance that will cover pre-existing conditions that are not covered by the group insurance. Eligible employees who meet all the requirements are guaranteed insurance benefits regardless of their current health.

Alaska COBRA Insurance
Alaska health insurance regulations require that COBRA applies to employers with 20 or more employees. An employee who is eligible to have COBRA coverage can keep the coverage for up to 18 months, or until they acquire another type of Alaska health insurance. Depending on the situation, some eligible dependents can stay covered for 36 months, and the disabled for up to 29 months. Alaska health insurance under COBRA is the same coverage you had with your group plan. If the group plan you belonged to ends, the COBRA plan will end also. For those whose COBRA coverage has run out or ended, Alaska health insurance can be obtained through the Alaska Comprehensive Health Insurance Association (ACHIA).

Alaska Health Information and Statistics
If you are in the market for quality Alaska health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how Alaska ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.

Some of the positives of residing in Alaska are low levels of air pollution, a low percentage of children living in poverty, and strong per capita public health funding ($175). Alaska also faces many challenges, such as a low high school graduation rate (64.1%) and a high violent crime rate- only three states have a higher rate.

According to a 2008 study, Alaska had some significant changes over the past year, including the rate of smokers declining by 8%. The rate of children living in poverty decreased by 27%. Since 1990, the incidence of infectious disease declined by 84%.

Following is a variety of statistical data related to living in Alaska, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing Alaska health insurance.

  • Prevalence of Smoking-38th
  • Prevalence of Obesity-35th
  • Violent Crime-43rd
  • Children in Poverty-1st
  • Air Pollution-1st
  • Cancer Deaths-16th
  • Lack of Health Insurance-39th
  • Prevalence of Binge Drinking-41st
  • Infant Mortality-17th
  • Infectious Disease-27th
  • Premature Death-26th

Overall Rank: 30
Change: no change