In recent years, the availability and affordability of health insurance has been the subject of much debate. But the hard truth is that about one out of seven Americans has no health insurance and for many who do have coverage, the cost of that coverage is an enormous financial strain. North Dakota health insurance can no longer be considered a luxury; it is a necessity! As the cost of preventative care, emergency treatments, and prescription drugs continues to spiral out of control, people want and deserve a reliable source for North Dakota health insurance quotes. They need look no further than insuranceUSA.com. Health insurance is simply a written policy which covers medical expenses, both routine and emergency. Today, many states are expanding their coverage to included both long-term care and disability.
In this information-filled article, you will find everything you need to know concerning the regulations of North Dakota health insurance, both for individuals and small groups. You will learn the fundamental facts regarding COBRA coverage. COBRA stands for the Consolidated Omnibus Budget Reconciliation Act of 1986 and is basically a plan which allows workers, who no longer have health insurance coverage due to the loss of employment, the right to maintain their group health insurance coverage for a limited amount of time and usually at their own expense.
You will also find interesting statistical information with which you can compare the health of fellow North Dakotans with the health of residents of other states.
This article will provide you with all the information needed about North Dakota health insurance to make a shrewd and intelligent decision when choosing the insurance coverage which is right for your individual situation and needs. Once you have selected your options, insuranceUSA.com stands ready to provide you with health insurance quotes so that you can make your final decision with confidence!
North Dakota Individual and Family Health Insurance
Your eligibility to purchase individual or family health insurance in North Dakota is greatly influenced by your current and past health status and history. North Dakota 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. North Dakota 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. North Dakota 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.
North Dakota Group Health Insurance
For North Dakota health insurance for a group or company, the state of North Dakota requires that a company have between 2 and 50 employees. Employers, however, are not required to provide North Dakota health insurance to all employees. For instance, part-time employees many not qualify for coverage, or those who live outside of the area covered by the insurance. Eligible employees, regardless of their current state of health, are guaranteed medical benefits under the group insurance plan. Some North Dakota health insurance plans may exclude coverage for pre-existing conditions. These are usually conditions that have been treated within the previous six months. If an employee is not eligible for coverage for a pre-existing condition, there are different types of insurance that can provide benefits to cover conditions that are excluded from the group policy. Under North Dakota health insurance regulations, insurance companies may not impose waiting periods before coverage begins. However, employers can decide on waiting periods, if any, before the group insurance plan goes into effect for employees.
North Dakota COBRA Insurance
Under North Dakota health insurance rules, the federal COBRA regulations apply to only those companies with more than 20 employees. An eligible employee may decide to keep their North Dakota health insurance coverage through COBRA for up to 18 months, or until they get other coverage, whichever comes first. There are exceptions to the 18 month limit. For instance, some dependents can remain covered for up to 36 months, and disabled persons can be covered for 29 months. COBRA is a way to extend the North Dakota health insurance you had from an employer. However, if the group insurance plans ends or your employer decides to stop providing health insurance for employees, your COBRA coverage will also end. For people whose COBRA coverage has ended, there is further North Dakota health insurance coverage available through the North Dakota Comprehensive Health Insurance Association (ACHIA).
North Dakota Health Information and Statistics
If you are in the market for quality North Dakota health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how North Dakota ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.
Some of the positives of residing in North Dakota are low levels of air pollution, a high rate of high school graduation, few poor mental and physical health days, and a low violent crime rate. North Dakota also faces many challenges, including a high prevalence of binge drinking and a high geographic disparity within the state.
According to a 2008 study, North Dakota had some significant changes over the past year. These include a decrease in the per capita public health funding of 14% and the premature death rate rising by 9%. In the past five years, the percentage of children in poverty decreased by 36%. Since 1990, the infant mortality rate dropped by 29%.r
Following is a variety of statistical data related to living in North Dakota, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing North Dakota health insurance.
- Prevalence of Smoking-32nd
- Prevalence of Obesity-28th
- Violent Crime-4th
- Children in Poverty-8th
- Air Pollution-2nd
- Cancer Deaths-7th
- Lack of Health Insurance-13th
- Prevalence of Binge Drinking-49th
- Infant Mortality-17th
- Infectious Disease-1st
- Premature Death-17th
Overall Rank: 12