Health Insurance

Nowadays, nearly everyone knows someone who either has no health insurance coverage, has lost their insurance coverage, or they themselves are living with these exact same circumstances. New Mexico health insurance can no longer be thought of as a luxury- it is an essential! As the costs of medical procedures, treatments, and prescriptions continue to increase at astounding rates, people need a reliable source from which they can receive straight-forward, affordable New Mexico health insurance quotes. Thousands of people rely on insuranceUSA.com for just this reason. Health insurance is simply a written insurance policy which covers medical expenses, whether routine or emergency. Many states offer additional insurance coverage benefits, including long-term care and disability.

In this article, you will find all the information needed regarding the regulations of New Mexico health insurance, both for individual policy holders or those desiring a family or small group plan. You will also find fundamental facts concerning COBRA, which is an acronym for the Consolidated Omnibus Budget Reconciliation Act of 1986. This plan generally provides workers and their families who have lost their insurance coverage (due to an event such as job loss, reduction of work hours, etc.) the right to continue their group health insurance benefits, although normally for a limited amount of time and frequently at the person’s own expense.

You will also find useful statistical information which can assist you in comparing the health of fellow New Mexicons with the health of people living in various other states.

This article will give you all the information you need about New Mexico health insurance to make an informed and intelligent decision when choosing the plan which is most suited to your needs and circumstances. When you have finalized your plan, we at insuranceUSA.com will be ready to provide you with the health insurance quotes needed to make your personal choice.

New Mexico Individual and Family Health Insurance
Many New Mexico 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 New Mexico 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 New Mexico 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.

New Mexico Group Health Insurance
New Mexico health insurance for groups is designed for those companies that have between 2 and 50 employees on staff. Companies are not required to offer New Mexico health insurance to all of their employees, however. Part-time employees and those who live outside of the insurance company’s service area may not qualify for the group plan. Under New Mexico health insurance regulations, all employees who are eligible for coverage under a group plan will be covered, no matter what their current state of health. Group insurance plans may impose restrictions on pre-existing conditions that were treated within the six months prior to coverage beginning. In that case, there are certain kinds of insurance plans that will provide medical coverage for pre-existing conditions that are not included in the group plan. Employers, and not the insurance companies, can require a waiting period before coverage begins for New Mexico health insurance plans. These waiting periods vary in length.

New Mexico COBRA Insurance
COBRA insurance coverage, as outlined in New Mexico health insurance rules, applies to companies that have 20 or more employees on staff. To make sure that New Mexico health insurance is available to those who are between jobs, COBRA coverage can be applied for 18 months to those who meet eligibility requirements. There are certain exceptions to that time frame. Eligible dependents can be covered by COBRA for 36 months, and disabled people can keep coverage for 29 months. COBRA is an extension of your previous New Mexico health insurance plan, and if your former employer decides to discontinue coverage for employees, your coverage will also end. Once COBRA benefits are ended, further New Mexico health insurance can be obtained through the New Mexico Comprehensive Health Insurance Association (ACHIA).

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

Some of the positives of residing in New Mexico are strong per capita public health funding, low rates of cancer deaths and cardiovascular deaths, and low levels of air pollution. New Mexico also faces many challenges, including a high rate of violent crime, a low high school graduation rate, and a high rate of uninsured population.

According to a 2008 study, New Mexico had some significant changes over the past year. These include the incidence of infectious disease decreasing by 22% and the percentage of children in poverty also declining by 22%. Since 1990, the infant mortality rate decreased by 34% while the prevalence of obesity increased by 156%.

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

  • Prevalence of Smoking-31st
  • Prevalence of Obesity-14th
  • Violent Crime-44th
  • Children in Poverty-33rd
  • Air Pollution-2nd
  • Cancer Deaths-4th
  • Lack of Health Insurance-49th
  • Prevalence of Binge Drinking-10th
  • Infant Mortality-12th
  • Infectious Disease-17th
  • Premature Death-40th

Overall Rank: 29
Change: +9