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. Oklahoma 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 Oklahoma 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 Oklahoma 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 Oklahomans with the health of people living in various other states.

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

Oklahoma Individual and Family Health Insurance
Oklahoma health insurance companies which offer individual or family health insurance policies are permitted to deny coverage to any person who has a pre-existing medical condition. If you have a pre-existing condition and are accepted for coverage, you can expect the premiums to be substantially higher than the ones for healthy individuals. Oklahoma health insurance companies may offer you a policy which contains a rider. This rider basically states that the insurance company is not obligated to pay any medical expenses you incur related to the pre-existing condition. Insurance companies are also allowed to impose waiting periods on pre-existing conditions, some for as long 24 months. They are not obligated to provide credit from prior health insurance coverage to this waiting period. They are also permitted to go back 5 years in your medical history to determine a pre-existing condition. Oklahoma health insurance companies are allowed to offer varying degrees health plans, which include premiums, covered services, deductibles, and co-payment amounts.

Oklahoma Group Health Insurance
For Oklahoma health insurance for a group or company, the state of Oklahoma requires that a company have between 2 and 50 employees. Employers, however, are not required to provide Oklahoma 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 Oklahoma 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 Oklahoma 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.

Oklahoma COBRA Insurance
Under Oklahoma 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 Oklahoma 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 Oklahoma 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 Oklahoma health insurance coverage available through the Oklahoma Comprehensive Health Insurance Association (ACHIA).

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

Some of the positives of residing in Oklahoma are strong per capita public health funding and a low prevalence of binge drinking. Oklahoma also faces many challenges, such as many poor mental and physical health days, limited access to primary care, a high rate of cardiovascular deaths, and a high prevalence of smoking.

According to a 2008 study, Oklahoma had some significant changes over the past year. Over the past twelve months, the percentage of children in poverty decreased by 8%. However, the levels of air pollution increased by 5%. Since 1990, the incidence of infectious disease declined by 60% but the prevalence of obesity soared by 148%.

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

  • Prevalence of Smoking-48th
  • Prevalence of Obesity-43rd
  • Violent Crime-35th
  • Children in Poverty-35th
  • Air Pollution-23rd
  • Cancer Deaths-36th
  • Lack of Health Insurance-42nd
  • Prevalence of Binge Drinking-11th
  • Infant Mortality-39th
  • Infectious Disease-25th
  • Premature Death-45th

Overall Rank: 43
Change: +4