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. District of Columbia 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 District of Columbia 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 District of Columbia 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 District of Columbians with the health of people living in various other states.
This article will give you all the information you need about District of Columbia 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.
District of Columbia Individual and Family Health Insurance
Individual and family health insurance plans in District of Columbia are not a guaranteed issue, but rather are medically underwritten. This means that District of Columbia 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. District of Columbia 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. District of Columbia health insurance premium rates will vary and usually are based upon age, gender and the type of plan chosen.
District of Columbia Group Health Insurance
District of Columbia health insurance law does not require employers to offer health insurance to all of its employees. For instance, those who work part-time or who live outside of the area the insurance covers may not necessarily be covered. But, if you are eligible for coverage, then under District of Columbia health insurance law, you are guaranteed health insurance no matter what your current health situation. District of Columbian employers decide how long of a waiting period is required before an employee is eligible for coverage under the group plan. Some group plans do exclude treatment for pre-existing medical conditions that you have received medical care for in the six months before joining the group plan. Depending on your situation, your medical coverage from a previous employer may provide coverage for you for existing medical conditions.
District of Columbia COBRA Insurance
Under District of Columbia 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 District of Columbia 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 District of Columbia 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 District of Columbia health insurance coverage available through the District of Columbia Comprehensive Health Insurance Association (ACHIA).
District of Columbia Health Information and Statistics
If you are in the market for quality District of Columbia health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how District of Columbia ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.
Some of the positives of residing in District of Columbia are low levels of cancer deaths, a low prevalence of smoking and a high immunization rate. District of Columbia also faces many challenges, such as a high percentage of children in poverty, a high premature death rate and a high violent crime rate.
According to a 2008 study, District of Columbia had some significant changes over the past year, including the rate of the uninsured population declining by 15%. The rate of children living in poverty decreased by 8%. Since 2004, the levels of air pollution decreased from 17.4 to 14.8 micrograms of fine particle per cubic meter.
Following is a variety of statistical data related to living in District of Columbia, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing District of Columbia health insurance.