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 Hawaii 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 Hawaii 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 Hawaii with the health of residents who live in other states.
This article will provide you with all the information needed about Hawaii 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.
Hawaii Individual and Family Health Insurance
Many Hawaii 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 Hawaii 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 Hawaii 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.
Hawaii Group Health Insurance
To qualify for Hawaii health insurance, a company must have between 2 and 50 employees on staff. However, a company is not required to offer Hawaii 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 Hawaii 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 Hawaii 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.
Hawaii COBRA Insurance
COBRA insurance coverage, as outlined in Hawaii health insurance rules, applies to companies that have 20 or more employees on staff. To make sure that Hawaii 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 Hawaii 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 Hawaii health insurance can be obtained through the Hawaii Comprehensive Health Insurance Association (ACHIA).
Hawaii Health Information and Statistics
If you are in the market for quality Hawaii health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how Hawaii ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.
Some of the positives of residing in Hawaii are low rates of cancer deaths and cardiovascular deaths, low levels of air pollution, a low rate of preventable hospitalizations, strong per capita public health funding, and a low rate of uninsured population. Hawaii also faces many challenges, one of which is a high prevalence of binge drinking.
According to a 2008 study, Hawaii had some significant changes over the past year, including an increase in immunization coverage of 10% and a decrease in the incidence of infectious disease of 27%. Since 1990, the percentage of children in poverty declined by 44% and the prevalence of smoking decreased by 38%.
Following is a variety of statistical data related to living in Hawaii, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing Hawaii health insurance.
- Prevalence of Smoking-8th
- Prevalence of Obesity-2nd
- Violent Crime-12th
- Children in Poverty-5th
- Air Pollution-2nd
- Cancer Deaths-1st
- Lack of Health Insurance-2nd
- Prevalence of Binge Drinking-44th
- Infant Mortality-17th
- Infectious Disease-30th
- Premature If Death-12th
Overall Rank: 2