Health Insurance

One only has to read a newspaper, watch television, or listen to the radio to know and appreciate the importance of securing and maintaining quality Iowa health insurance. Costs of both routine medical care and specialized treatments are increasing at a much faster pace than are household incomes. This fact alone makes having Iowa health insurance a necessity which one cannot afford to be without or lose! This is why so many people are turning to insuranceUSA.com for their Iowa health insurance quotes. In its most basic form, health insurance is simply a written policy which covers the cost of medical expenses. Some states expand this to include disability and long-term care.

This article will provide you with information detailing the regulations of Iowa health insurance, both for individuals and small groups. You will also find information pertaining to COBRA- the Consolidated Omnibus Budget Reconciliation Act of 1986. This plan allows many workers to continue group coverage for a limited amount of time under certain circumstances, such as the loss of a job, reduction in work hours, transition between jobs, death, divorce, and other life events.

You will also be provided with some interesting statistics which will allow you to compare the health and well-being of Iowans to those of people who live in other parts of the country.
All you need to know about Iowa health insurance is fully outlined in this article. Once you have read and learned what is available to you and made your personal choices, insuranceUSA.com is standing by to assist you with quotes specifically tailored to your individual needs.

Iowa Individual and Family Health Insurance
Your eligibility to purchase individual or family health insurance in Iowa is greatly influenced by your current and past health status and history. Iowa health insurance companies may deny coverage to an applicant if they feel that the cost of insuring the individual will pose a risk to the company’s claims ratio- that is, they will be paying an exorbitant dollar amount in claims. Many times this is based on whether a person applying for health insurance has a pre-existing condition. Iowa health insurance companies are permitted to look back 5 years to determine whether a person has a pre-existing condition. They may agree to offer you coverage, but may attach a rider to your policy which, in effect, exempts the company from having to pay any medical expense related to the pre-existing condition. Iowa health insurance companies are also allowed to exclude a pre-existing medical condition for 2 years, regardless of whether the insured member had prior health insurance or not.

Iowa Group Health Insurance
Many Iowa health insurance companies which offer individual and family health insurance plans may base their decision on whether to approve or deny your application for health insurance on your current or past health status. Any person applying for health insurance will have to fill out a detailed application, which involves answering many questions relating to your present and previous health status, family medical history, and life-style questions, such as smoking habits, alcohol consumption, etc. Based on this information, an Iowa health insurance company can deny you coverage altogether, or they may offer you a policy which contains a rider, which basically excludes coverage for any pre-existing condition. This rider can be enforced for a limited amount of time or can be in effect for the entire time you hold the insurance policy. Some Iowa health insurance companies also place a waiting period on pre-existing conditions, even if a formal rider was not written into the policy. This is regardless of whether the person to be insured had prior health insurance or not.

Iowa COBRA Insurance
Iowa health insurance continues for employees after they have left their jobs, through the federal COBRA plan. COBRA is available for employees of companies that have at least 20 employees. COBRA is designed so that you can keep your Iowa health insurance for up to 18 months if you are eligible for the program while you are between jobs. Additionally, eligible dependents can keep coverage for 36 months, and disable people can continue medical benefits for 29 months. Because COBRA allows you to continue your pervious coverage, like all Iowa health insurance, if your employer decides to stop offering health insurance to employees, then your COBRA coverage will also end. If this happens, or when your benefits run out, additional Iowa health insurance is available through the Iowa Comprehensive Health Insurance Association (ACHIA).

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

Some of the positives of residing in Iowa are few poor mental and physical health days, a low infant mortality rate, and a high rate of high school graduation. Iowa also faces many challenges, such as a high prevalence of binge drinking, limited access to primary care, and low per capita public health funding.

According to a 2008 study, Iowa had some significant changes over the past year, including a decrease by 6% in the percentage of children in poverty and also a 6% decline in immunization coverage. Since 1990, the prevalence of obesity climbed by 116% and the prevalence of smoking decreased by 30%.

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

  • Prevalence of Smoking-25th
  • Prevalence of Obesity-31st
  • Violent Crime-19th
  • Children in Poverty-16th
  • Air Pollution-24th
  • Cancer Deaths-21st
  • Lack of Health Insurance-9th
  • Prevalence of Binge Drinking-48th
  • Infant Mortality-2nd
  • Infectious Disease-9th
  • Premature Death-8th

Overall Rank: 15
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