Health Insurance

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. Washington 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 Washington 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 Washington 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 Washingtonns with the health of residents of other states.

This article will provide you with all the information needed about Washington 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!

Washington Individual and Family Health Insurance
Individual and family health insurance plans in Washington are not a guaranteed issue, but rather are medically underwritten. This means that Washington health insurance companies offering medical insurance are allowed to review your current and past medical history and make their decision whether to approve or deny coverage based on the information which they receive. When you apply for health insurance, you will be required to complete a medical history fact sheet (both current and previous), give information relating to family medical history (parents, siblings, etc) and also answer life-style questions, such as smoking habits, if any, alcohol consumption, etc. This information, along with any pre-existing medical condition, is usually the determining factor in whether you are approved or denied coverage. Washington health insurance companies are allowed to go back 5 years in determining medical history and they are also allowed to impose waiting periods for pre-existing conditions, some for up to 24 months. If you are approved for medical coverage and you have a pre-existing condition, you can expect to pay much higher premiums than those of a healthy individual. There is also the possibility of being denied any and all medical coverage due to the pre-existing condition. This is totally within the insurance company’s rights. The company may also offer coverage which includes a rider, which simply states that they will not cover any medical expenses which are related to the pre-existing condition. Washington health insurance premium rates will vary and usually are based upon age, gender and the type of plan chosen.

Washington Group Health Insurance
To qualify for Washington health insurance, a company must have between 2 and 50 employees on staff. However, a company is not required to offer Washington health insurance to all employees. For instance, those who only work part-time, or who do not live within the insurance service area may not be eligible for the group coverage. Under Washington health insurance regulations, an employer may require a waiting period before employees are able to obtain group insurance. This waiting period is decided on by the employer, and not the insurance company. Pre-existing conditions may make an employee ineligible for total coverage under their plan. This usually applies to conditions that you were treated for within the past six months prior to the start date of coverage. However, there are types of Washington health insurance that will cover pre-existing conditions that are not covered by the group insurance. Eligible employees who meet all the requirements are guaranteed insurance benefits regardless of their current health.

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

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

Some of the positives of residing in Washington are a low percentage of children in poverty, a low prevalence of smoking, and a low rate of preventable hospitalizations. Washington also faces many challenges, including a low high school graduation rate, low immunization coverage, and a high geographic disparity within the state.

According to a 2008 study, Washington had some significant changes over the past year. Over the past 12 months, the rate of the uninsured population decreased by 7% and the percentage of children living in poverty increased by 11%. Since 1990, the prevalence of obesity soared by 176% while the infant mortality rate decreased by 51%.

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

  • Prevalence of Smoking-6th
  • Prevalence of Obesity-23rd
  • Violent Crime-23rd
  • Children in Poverty-5th
  • Air Pollution-18th
  • Cancer Deaths-17th
  • Lack of Health Insurance-16th
  • Prevalence of Binge Drinking-20th
  • Infant Mortality-1st
  • Infectious Disease-24th
  • Premature Death-7th

Overall Rank: 10
Change: +2