Alabama Health Insurance
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According to the Center for Disease control, 13.3% of the population in Alabama did not have health insurance in the year 2003.
Free Alabama Health Insurance Quotes
To get free quotes on Alabama Health Insurance, enter your zip code into the form below and click "Get My Quotes."
Alabama Health Insurance Regulations
Although federal law protects health insurance standards through the Health Insurance Portability and Accountability Act (HIPAA), states can pass different reforms for the health care in that state. Neither federal nor state laws protect access to individual or group Alabama health insurance under all circumstances.
There are no standards for Alabama health insurance in regards to either policy coverage or price. However, the state requires that all Alabama health insurance cover certain benefits such as post-delivery hospital stays and breast cancer screening. The Alabama Insurance Commissioner does, however, have power over Alabama health insurance rates and costs to ensure that fees, charges, and rates are not unreasonably high or excessive.
Alabaman health insurance companies providing individual health insurance do not have to give credit for prior coverage, unlike group health plans. Also, pregnancy may be considered a pre-existing condition under certain Alabama health insurance policies. Any pre-existing condition may require an exclusion period by the insurer that is not to exceed 24 months.
Alternative Alabama Health Insurance Options
Depending on the financial and medical circumstances of the individual, the following plans may provide some health insurance or medical coverage for the Alabama resident:
- Alabama Medicaid is available for those that qualify.
- Alabama Health Insurance Plan (AHIP) is designed to let Alabama residents maximize the features of HIPAA. This means that individuals that might otherwise be considered “uninsurable” are able to purchase Alabama health insurance. Alabama Health Insurance Plan is considered the high-risk health insurance pool for the state of Alabama and all participants must be HIPAA eligible.
- All Kids is Alabama’s children’s health insurance program and is designed to provide medical insurance to children under the age of 19. Eligible families must meet All Kids guidelines in order for children to be considered for Alabama medical insurance through this program. Such families are usually considered ineligible for Medicaid due to higher income levels.
Other options for obtaining Alabama health insurance or assistance in healthcare coverage may include but are not limited to:
- COBRA
- Alabama Breast and Cervical Cancer Treatment Program
- Tax credits under the Health Coverage Tax Credit (HCTC) which can equal 65% of premiums to those eligible for Trade Adjustment Assistance (TAA) Program.
- Benefit Guarantee Corporation (PBGC) for those age 55 to 65.
Alabama Medicaid:
www.medicaid.state.al.us
All Kids (State Children’s Health Insurance Program):
www.adph.org
More Information on Alabama Health Insurance
For more information on laws in Alabama insurance visit:
www.aldoi.gov
For more information about Alabama Health Insurance visit:
www.healthinsuranceinfo.net
For more information on Alabama Health Insurance Plan visit:
www.seib.state.al.us
Alabama Department of Insurance
Alabama Department of Insurance:
www.aldoi.gov
Regular U.S. Mail Address
P O Box 303351
Montgomery, AL 36130-3351
Phone: 334-269-3550
Email: Insdept@insurance.alabama.gov
Alabama Health Insurance Organizations
According to the Alabama Department of Insurance, Active Health Maintenance Organizations (HMO) within the state are:
- HEALTHSPRING OF ALABAMA INCBIRMINGHAMALView
- UNITED HEALTHCARE OF ALABAMA INCBIRMINGHAMALView
- VIVA HEALTH, INC.BIRMINGHAMALView
According to the Alabama Department of Insurance, Active Non-Profit Health Care Service Plan Corporations within the state are:
- Blue Cross and Blue Shield of Alabama
- First Community Health Plan, Inc.
According to the Alabama Department of Insurance, Other Alabama health insurance companies active in the state are:
- DENTAL HEALTH OF ALABAMA, INC. BIRMINGHAM AL
- FIRSTCOMMUNITY HEALTH PLAN, INC HUNTSVILLE AL
- HEALTH INSURANCE CORPORATION OF ALABAMA MONTGOMERY AL
- HEALTHSPRING OF ALABAMA INC BIRMINGHAM AL
- SOUTHERN LIFE & HEALTH INSURANCE COMPANY BIRMINGHAM AL
- UNITED HEALTHCARE OF ALABAMA INC BIRMINGHAM AL
- VIVA HEALTH, INC. BIRMINGHAM AL
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