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Iowa health insurance
Health insurance plans are very important for both individuals and groups. The recent increase in the cost of healthcare has also made it more crucial. If you are a resident of Iowa and are looking for a health insurance plan, this page is for you. You can learn about the various health insurance options on offer and the different state plans that are provided for people who cannot afford health insurance from private carriers.
Individual health insurance plans in Iowa
There are a number of health insurance plans offered in the state of Iowa. As a customer, it is your responsibility to find out which plan is suitable for you. Since medical underwriting is allowed in the state of Iowa, the insurance carrier can always refuse your application for an insurance plan. A look back period and an exclusionary period of 12 months is allowed for people with a pre existing condition. People who cannot provide proof of health coverage previously may have to go through a 60 month look back period and an exclusionary period of 12 months. As an individual, you have an option between HMO, PPO or POS types of plans. Your premiums will of course depend on the benefits provided by the plan, the deductibles to be paid by you and other aspects like coinsurance, co payments and other charges you have to pay. However, when you are looking at a plan, try not to look at the cost aspect only. You should also consider the suitability of the covers being provided to you.
Group health insurance for small businesses in Iowa
Group health insurance can be got through employers, associations or unions. However, as in individual health insurance, medical underwriting is allowed here. The preexisting clause can extend up to six months prior to your application and the company may deny covers for those conditions up to 12months.The average premium you may expect to pay for a group insurance plan will vary, depending, among other factors, on the contributions your employer makes.
Coverage under COBRA
Laws under the Consolidated Omnibus Budget Reconciliation Act of 1985 apply in the state of Iowa. According to this law, a company employing more than 20 people is obligated by law to continue covers for an employee who, for some reason, is no longer employed with the company. The covers also have to be extended to his family.
Iowa Medicaid plans
Medicaid plans are also offered in the state of Iowa. It is offered under the Iowa Department of Human Services. Under this state and federal sponsored program, health plans are offered to people who have a low income, are pregnant, disabled or residents of nursing homes. Some of the people receiving Medicare are also eligible for this program. Plans are offered to these individuals, always providing that they meet certain income requirements.
Iowa also offers the Hawk-I (Health and Well Kid of Iowa) Health Insurance Program. Under this program, health insurance is provided to children below the age of 19, provided they meet certain income criteria. They must also be residents of Iowa and have a social security number. Also, they may not be blind, disabled or receiving health insurance through an employer.
Easy Quotes from the Top Iowa Health Insurance Carriers
Our service is the best way for you to secure the most suitable Iowa health insurance quote for yourself. You will get quotes on health insurance from the top health insurance carriers. This includes- American Medical Security, American Family Insurance, Anthem Blue Cross Blue Shield, Assurant Health, Fairmont Specialty Group, Celtic, Midwest Security, Golden Rule, Security Life and UNICARE and many more.
An easy, fast and free way to find Iowa Health Insurance
Our process is quick, easy and free. The only thing you have to do is to fill in a simple form with your information. The information will be kept confidential and will be used only to provide you with medical insurance quotes. As soon as you complete this form, you will receive instantaneous quotes from the top carriers. If you want, you can buy the plans online also. We will also put you in touch with licensed local agents in your area who will assist you in every way before you can purchase a plan.
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