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. Alaska 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 Alaska 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 Alaska 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 Alaskans with the health of people living in various other states.

This article will give you all the information you need about Alaska 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.

North Carolina 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.

North Carolina Group Health Insurance
Alaska health insurance is designed for groups, or companies, with more than 2, but no more than 50, employees. Under Alaska health insurance regulations, part-time employees and those who live outside of the insurance service area may not be eligible for coverage under the group plan. Those employees who do qualify for coverage will be guaranteed Alaska health insurance under the group insurance plan, no matter what your current health condition. The company that issues the Alaska health insurance does not decide on a waiting period before the coverage takes effect. Instead, any waiting period is decided on by the employer. Some group plans will exclude benefits for medical conditions you were treated for within the last six months prior to when their coverage begins. But, if that happens, there are certain types of insurance that that will continue to provide health care benefits for conditions that you were treated for while you were covered under one of their plans.

North Carolina COBRA Insurance
Alaska health insurance follows the federal guidelines for COBRA coverage. The COBRA plan is for companies with 20 or more employees. After leaving a job, a person can keep their group insurance through COBRA for up to 18 months if they qualify for COBRA. In addition, some eligible dependents can stay covered for 36 months, and disable people can receive benefits for 29 months. Alaska health insurance rules state that if your employer discontinues the group plan, then your COBRA coverage will end as well. But, there is additional Alaska health insurance coverage that is available through the Alaska Comprehensive Health Insurance Association (ACHIA) that is designed for people who have ended their COBRA coverage.

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

Some of the positives of residing in North Carolina are a low occupational fatalities rate and a low prevalence of binge drinking. North Carolina also faces many challenges, such as a high percentage of children in poverty, a high prevalence of obesity, a high infant mortality rate, and a high prevalence of smoking.

According to a 2008 study, North Carolina had some significant changes over the past year, including an increase of 8% in the prevalence of obesity. Over the past five years, the percentage of children in poverty increased by 28%. Since 1990, the rate of deaths from cardiovascular disease decreased by 29% but the rate of uninsured population increased by 37%.

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

  • Prevalence of Smoking-42nd
  • Prevalence of Obesity-40th
  • Violent Crime-32nd
  • Children in Poverty-42nd
  • Air Pollution-35th
  • Cancer Deaths-34th
  • Lack of Health Insurance-37th
  • Prevalence of Binge Drinking-8th
  • Infant Mortality-44th
  • Infectious Disease-37th
  • Premature Death-38th

Overall Rank: 36
Change: no change