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Alaska Health Insurance

Health insurance these days can be broadly classified into two categories: individual and group. Individual insurance is mainly purchased by those who are self-employed, or are employed by a company that has no provision for a health plan, or if they have a family and want individual insurance for the members of their families. If you buy an individual plan, you are required to pay an annual premium and a deductible for each insured dependent, up to a base amount. If you buy a group policy, you have to pay an annual premium, co-payments payable at each medical service, and a deductible payable before insurance begins to issue money for your medical bills.

According to rules of individual health insurance in Alaska, insurance companies can turn you down for coverage. The state also imposes no restrictions on the price of individual policies. Pre-existing conditions are allowed to be excluded from coverage. Alaska, however, does not allow individual insurance to be cancelled if you fall sick.

In Alaska, you cannot be denied group health insurance or be slapped with additional charge because of a health problem. If you buy a new group health insurance, the prior coverage can be credited toward the exclusion period for a pre-existing condition, provided you did not have a long break. The group insurance can exclude your pre-existing condition from coverage only for a limited period of time. And your group health insurance cannot be cancelled in case you fall sick.

If a small employer applies for group insurance, he cannot be turned down because of the health of an employee. There are different rules for small and large group health insurance policies. Small employers have to be provided small group health insurance and insurance cannot be cancelled if a covered employee falls sick. On the other hand, large group health insurance applications can be denied. Alaska allows small employers limited rate hikes, based on the health of employees. There is no curb on rate hikes on a large group policy. Self-employed persons are not allowed to buy group health insurance in Alaska. If you face difficulties in finding private health insurance, you may purchase insurance on an individual basis from the Alaska Comprehensive Health Insurance Association. Alaska Medicaid and KidCare are suitable for those with modest earning.

It is not an easy job to choose the right health insurance quotes. You should do a lot of homework before making your choice. It is wise to engage professional health insurance agents and brokers who are experts in this field. They know the market, are familiar with all the rules and understand the industry.

There are a number of health insurance providers in Alaska. Among them are Assurant Health (formerly Fortis), Celtic, Golden Rule, Premera Blue Cross and Blue Shield of Alaska and Security Life. They offer a wide range of health plans for you to choose from.

 

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