Given today’s climate of economic and financial uncertainty, people know that finding affordable, quality Mississippi health insurance is an important step towards securing peace of mind concerning the health and well-being of themselves and their loved ones. With the price of medical care and treatments continuing to climb at extraordinary rates, it is reassuring to know that people have a reliable source to call upon when they need Mississippi health insurance quotes. And that source is insuranceUSA.com. In its most basic form, health insurance is simply an insurance plan which covers medical expenses, whether customary or emergency. It can also be expanded to cover long-term care or disability, depending on one’s needs.
The following article will provide information regarding the regulations of Mississippi health insurance, both for individuals and small groups. It will also give fundamental information concerning COBRA, The Consolidated Omnibus Budget Reconciliation Act of 1986. This plan basically provides workers and their families who lose their health insurance coverage (usually through the loss of employment) the right to continue group health insurance benefits, most often at their own expense.
You will also find interesting statistical information which can help you compare the health of Mississippin residents with the health of people from other regions of the country.
This article will provide you with all the information you need about Mississippi health insurance and will enable you to choose the plan which is most suitable for your needs and circumstances. Once you have determined your choices, we at insuranceUSA.com are ready to assist you with health insurance quotes that will provide you with the coverage and satisfaction you both need and deserve.
Mississippi Individual and Family Health Insurance
In Mississippi, individual or family health insurance policies are not guaranteed. Most Mississippi health insurance policies are medically underwritten, which allows insurance companies to deny coverage to anyone based on their current or past medical history, including pre-existing conditions. When applying for health insurance, you will be asked to fill out a comprehensive questionnaire, covering everything from current and past medical status and family medical history (parents, siblings, etc) to life-style questions, such as smoking habits, alcohol consumption, etc. Mississippi health insurance premiums will vary according to age, gender and the type of health insurance plan that has been applied for. If you do have a pre-existing medical condition, there are three different options which may be offered to you. One is that you may be denied any and all health insurance coverage, which is within the Mississippi health insurance company’s rights. The second option is that you may be offered coverage, but with a rider attached. This rider simply states that the insurance company is not liable and will not cover any claims deemed to be related to the pre-existing condition. The third option is that you may qualify for full coverage, but you can expect that your premiums will be higher than those of a healthy individual.
Mississippi Group Health Insurance
Mississippi health insurance for groups is designed for those companies that have between 2 and 50 employees on staff. Companies are not required to offer Mississippi 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 Mississippi 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 Mississippi health insurance plans. These waiting periods vary in length.
Mississippi COBRA Insurance
When a person is between jobs, Mississippi health insurance options follow the federal COBRA guidelines. COBRA applies to companies with at least 20 employees on staff. An eligible employee may decide to continue their Mississippi health insurance coverage through the COBRA plan for a maximum of 18 months. Extended periods of coverage are available for eligible dependents for 36 months, and disable persons for 29 months. COBRA is an extension of your previous Mississippi health insurance through your employer, and if your employer discontinues the group plan, then your COBRA benefits will also end. However, if this happens, additional Mississippi health insurance is available through the Mississippi Comprehensive Health Insurance Association (ACHIA).
Mississippi Health Information and Statistics
If you are in the market for quality Mississippi health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how Mississippi ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.
Some of the positives of residing in Mississippi are a low violent crime rate and a low prevalence of binge drinking. Mississippi also faces many challenges, some of which are a high percentage of children in poverty, a low high school graduation rate, a high rate of cardiovascular disease, and a high prevalence of obesity.
According to a 2008 study, Mississippi had some significant changes over the past year. In a positive turn, the prevalence of smoking decreased by 5% and the incidence of infectious disease declined by 17%. Since 1990, the prevalence of obesity has risen by 117% and the infant mortality rate has decreased by 22%.
Following is a variety of statistical data related to living in Mississippi, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing Mississippi health insurance.
- Prevalence of Smoking-44th
- Prevalence of Obesity-50th
- Violent Crime-18th
- Children in Poverty-50th
- Air Pollution-29th
- Cancer Deaths-46th
- Lack of Health Insurance-46th
- Prevalence of Binge Drinking-4th
- Infant Mortality-49th
- Infectious Disease-35th
- Premature Death-49th
Overall Rank: 49
- Bay Saint Louis
- Bay Springs
- Bay St Louis
- Calhoun City
- Crystal Springs
- De Kalb
- Holly Springs
- Horn Lake
- Long Beach
- Moss Point
- New Albany
- New Augusta
- Ocean Springs
- Olive Branch
- Pass Christian
- Port Gibson
- Rolling Fork
- Water Valley
- West Point
- Yazoo City