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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
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.