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. Utah 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 Utah 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 Utah 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 Utahns with the health of people living in various other states.

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

Utah Individual and Family Health Insurance
Many Utah 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 Utah 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 Utah 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.

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

Utah COBRA Insurance
Utah health insurance regulations require that COBRA applies to employers with 20 or more employees. An employee who is eligible to have COBRA coverage can keep the coverage for up to 18 months, or until they acquire another type of Utah health insurance. Depending on the situation, some eligible dependents can stay covered for 36 months, and the disabled for up to 29 months. Utah health insurance under COBRA is the same coverage you had with your group plan. If the group plan you belonged to ends, the COBRA plan will end also. For those whose COBRA coverage has run out or ended, Utah health insurance can be obtained through the Utah Comprehensive Health Insurance Association (ACHIA).

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

Some of the positives of residing in Utah are a low rate of cancer deaths, a low prevalence of binge drinking, and a low prevalence of smoking. Utah also faces many challenges, such as moderate immunization coverage, limited access to primary care, and a high geographic disparity within the state.

According to a 2008 study, Utah had some significant changes over the past year. These changes include an increase in the prevalence of smoking of 19% and a decrease in the incidence of infectious disease of 24%. In the past five years, the prevalence of obesity increased by 28%. Since 1990, the rate of uninsured population increased by 27%.

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

  • Prevalence of Smoking-1st
  • Prevalence of Obesity-7th
  • Violent Crime-7th
  • Children in Poverty-7th
  • Air Pollution-25th
  • Cancer Deaths-1st
  • Lack of Health Insurance-32nd
  • Prevalence of Binge Drinking-3rd
  • Infant Mortality-4th
  • Infectious Disease5th
  • Premature Death-6th

Overall Rank: 5
Change: +1