Health Insurance

People know that in this day and age, Massachusetts health insurance is not just a luxury, it is a necessity. With the cost of medical care and treatments continuing to skyrocket, it is more important than ever to be able to find a trusted source for good, affordable Massachusetts health insurance quotes. Thousands of people are choosing insuranceUSA.com for just this purpose. In basic terms, health insurance is a form of insurance which covers medical expenses, both routine and emergency. Many states also offer additional coverage packages, including disability and long-term care.

The following article will provide details and information pertaining to the regulations of Massachusetts health insurance for both individual and small group subscribers. There is also basic information concerning COBRA coverage. COBRA stands for the Consolidated Omnibus Budget Reconciliation Act of 1986. The main users of COBRA insurance are people who have, for whatever reason, lost their primary means of health coverage, usually through the loss of a job. However, COBRA insurance covers more than just former employees. Other common users of COBRA insurance include recent retirees and people with disabilities. COBRA insurance also commonly covers the spouse and/or children of those who enjoy its benefits.

You will also find statistical information allowing you to compare the healthiness of Massachusettsns to those who live in other states.

In this article, you will find all the information you need about Massachusetts health insurance to allow you to make an informed and thoughtful decision concerning your health insurance needs. At insuranceUSA.com we will provide you with quotes for the exact, personalized type of health insurance which you choose.

Massachusetts Individual and Family Health Insurance
In Massachusetts, individual or family health insurance policies are not guaranteed. Most Massachusetts health insurance policies are medically underwritten, which allows insurance companies to deny coverage to anyone based on their current or past medical history, including pre-existing conditions. When applying for health insurance, you will be asked to fill out a comprehensive questionnaire, covering everything from current and past medical status and family medical history (parents, siblings, etc) to life-style questions, such as smoking habits, alcohol consumption, etc. Massachusetts health insurance premiums will vary according to age, gender and the type of health insurance plan that has been applied for. If you do have a pre-existing medical condition, there are three different options which may be offered to you. One is that you may be denied any and all health insurance coverage, which is within the Massachusetts health insurance company’s rights. The second option is that you may be offered coverage, but with a rider attached. This rider simply states that the insurance company is not liable and will not cover any claims deemed to be related to the pre-existing condition. The third option is that you may qualify for full coverage, but you can expect that your premiums will be higher than those of a healthy individual.

Massachusetts Group Health Insurance
Massachusetts health insurance regulations considers a small group for insurance purposes to be a company with anywhere between 2 and 50 employees. Many companies will offer health insurance to their employees, but under Massachusetts health insurance law, they are not required to offer it to all employees. People who work part-time, or who do not live within the area the insurance covers, may not always qualify for the group insurance plan. If you do qualify for coverage, however, this means that you will have insurance through the group plan, regardless of your health. The employers can decide if there is a waiting period before an employee is covered. Group insurance plans may deny benefits for pre-existing medical conditions that you have been treated for within the last six months. However, if you are denied coverage for a pre-existing condition and if you had insurance before that provided coverage for the pre-existing medical condition, you may be eligible for continued care under the old policy.

Massachusetts COBRA Insurance
Massachusetts 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 Massachusetts 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 Massachusetts 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 Massachusetts health insurance is available through the Massachusetts Comprehensive Health Insurance Association (ACHIA).

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

Some of the positives of residing in Massachusetts are ready access to primary care, low premature death rate, low geographic disparity within the state, a low rate of uninsured population, and a low prevalence of obesity. Massachusetts also faces many challenges, such as a high prevalence of binge drinking.

According to a 2008 study, Massachusetts had some significant changes over the past year, including having the incidence of infectious disease decline by 30%. However, the percentage of children living in poverty increased by 26%. Since 1990, the prevalence of smoking decreased by 42% and the rate of deaths from cardiovascular disease also declined by 35%.

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

  • Prevalence of Smoking-4th
  • Prevalence of Obesity-2nd
  • Violent Crime-29th
  • Children in Poverty-29th
  • Air Pollution-19th
  • Cancer Deaths-25th
  • Lack of Health Insurance-1st
  • Prevalence of Binge Drinking-39th
  • Infant Mortality-4th
  • Infectious Disease-26th
  • Premature Death-2nd

Overall Rank: 6
Change: +3