Health Insurance

During these tough economic times, many people are facing layoffs. Of those fortunate individuals who are able to retain their jobs, many are being told by their employers that they will either be eliminating or reducing health care benefits. Consequently, many people are searching for good quality, affordable South Dakota health insurance. And where are thousands of people getting the information they need? At insuranceUSA.com! The site to turn to for reliable health insurance quotes. Simply put, health insurance is an insurance which pays for medical expenses, whether routine or emergency care. Many states have now expanded coverage to include all important disability and long-term care benefits.

In this article, you will find helpful information regarding all the regulations surrounding South Dakota health insurance. This detailed information is useful whether you are searching for individual or small group coverage. It also includes the basic facts concerning COBRA, which stands for the Consolidated Omnibus Budget Reconciliation Act of 1986. The majority of users of COBRA insurance are those people who have lost their primary means of health insurance, usually through the loss of employment. COBRA coverage gives them the right to continue group health insurance benefits, but for a limited time and also most often at their own expense.

You will also be provided with some convenient statistics which will allow you to compare the health of people living in South Dakota with the health of residents who live in other states.

This article will provide you with all the information needed about South Dakota health insurance and allow you to make a knowledgeable and well-informed decision concerning your health insurance needs. Once you have read and learned what is available to you and selected your options, insuranceUSA.com will be ready to furnish you with quotes for the exact type of personalized health insurance plan you have chosen.

South Dakota Individual and Family Health Insurance
South Dakota does not regulate the types of individual or family health insurance policies that are written or regulated by insurance companies. South Dakota 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 South Dakota 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 South Dakota 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. South Dakota health insurance companies are not required to give credit for prior insurance coverage.

South Dakota Group Health Insurance
South Dakota health insurance for groups is designed for those companies that have between 2 and 50 employees on staff. Companies are not required to offer South Dakota 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 South Dakota 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 South Dakota health insurance plans. These waiting periods vary in length.

South Dakota COBRA Insurance
COBRA insurance coverage, as outlined in South Dakota health insurance rules, applies to companies that have 20 or more employees on staff. To make sure that South Dakota 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 South Dakota 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 South Dakota health insurance can be obtained through the South Dakota Comprehensive Health Insurance Association (ACHIA).

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

Some of the positives of residing in South Dakota are high immunization coverage, a low incidence of infectious disease, and few poor mental and physical health days. South Dakota also faces many challenges, such as a high occupational fatalities rate, a high geographical disparity within the state, and a high prevalence of binge drinking.

According to a 2008 study, South Dakota had some significant changes over the past year. In those twelve months, the percentage of children in poverty increased by 8% and the per capita public health funding rose by 10%. In the past five years, the percentage of children in poverty soared by 77%. Since 1990, the infant mortality rate declined by 36%.

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

  • Prevalence of Smoking-25th
  • Prevalence of Obesity-29th
  • Violent Crime-5th
  • Children in Poverty-22nd
  • Air Pollution-9th
  • Cancer Deaths-19th
  • Lack of Health Insurance-13th
  • Prevalence of Binge Drinking-39th
  • Infant Mortality-34th
  • Infectious Disease-6th
  • Premature Death-24th

Overall Rank: 21
Change: -5