Massachusetts Health Insurance
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According to the Center for Disease Control an average 9.6% of Massachusetts residents went without Massachusetts health insurance each year between 2001 and 2003.
Free Health Insurance Quotes
To obtain free quotes on Massachusetts Health insurance, enter your zip code into the form below and click "Get My Quotes."
Massachusetts Health Insurance Regulations
According to the laws regulating Massachusetts health insurance, no individual can be denied individual Massachusetts health insurance due to health, age or any other factor. All Massachusetts health insurance policies are guaranteed renewable. This means that an individual is guaranteed the right to renew an existing Massachusetts health insurance policy provided the individual has not provided false information and has paid all premiums on time. No employer Massachusetts health insurance plan can deny or limit access of an individual to the Massachusetts medical insurance coverage.
Some Massachusetts health insurance companies can impose pre-existing exclusion periods. A pre-existing condition is one for which the individual was treated or diagnosed within the six month period prior to the beginning of a new Massachusetts medical insurance policy. During the pre-existing exclusion period the Massachusetts health insurance company can deny coverage for the pre-existing condition.
The period cannot exceed six months and cannot be imposed if the individual had a break of continuous Massachusetts health insurance coverage for less than 63 days. Previous Massachusetts health insurance plans can be credited towards new plan pre-existing condition periods.
Elimination riders impose restrictions on medical coverage under health insurance plans and generally permanently exclude coverage for health conditions. Massachusetts medical insurance companies are not allowed to impose elimination riders.
All Massachusetts health insurance plans that cover minors must also cover newborns and adopted and foster children from the time of birth, adoption, or acquisition. Handicapped children can remain under the parent’s Massachusetts health insurance past the age at which dependent coverage usually stops.
Massachusetts Health Insurance Rates
Massachusetts health insurance rates are regulated and an individual cannot be charged more for reasons of health, gender, or occupation. This is called a modified community rating. All Massachusetts health insurance companies must offer standardized policies to consumers looking to purchase individual Massachusetts medical insurance. Policies include:
- Medical plan option – allows the individual to seek care from any doctor or hospital
- Preferred Provider Plan – allows the individual to seek care from providers in or out of network
- Managed care plan - requires the individual seek care only from providers in the network contracting with the HMO
Alternative Massachusetts Health Insurance Options
For individuals unable to afford Massachusetts health insurance the state provides programs that can help:
MassHealth is the Medicaid and State Children’s Health Insurance Program designed to provide Massachusetts health insurance to eligible individuals who meet the qualifying criteria.
Massachusetts Division of Employment and Training helps unemployed individuals who have lost their Massachusetts health insurance from their previous employer find assistance through COBRA.
Massachusetts Free Care helps qualified individuals who meet poverty qualifications find Massachusetts health insurance.
Information on Massachusetts Health Insurance
MassHealth: www.mass.gov
Massachusetts Division of Employment and Training: www.mass.gov
Massachusetts Free Care: www.fhcw.org
For more information about Massachusetts health insurance visit: www.healthinsuranceinfo.net
www.diabetes.org
www.healthinsuranceindepth.com
Massachusetts Division of Insurance
Massachusetts Division of Insurance: www.mass.gov
Commonwealth of Massachusetts
Division of Insurance
One South Station, 5th Floor
Boston, MA 02110-2208
Main Telephone Number (617) 521-7794
Consumer Information Hotline (617) 521-7794 Fax (617) 521-7575
TTD/TDD (617) 521-7490
Massachusetts Health Insurance Organizations
The Massachusetts Division of Insurance provides the following list of Massachusetts health insurance plans (with links to average rates for guaranteed issue) for individual Massachusetts health insurance:
- Aetna Life Insurance Company
- Aetna Health Inc.
- Blue Cross and Blue Shield of Massachusetts, Inc.
- Blue Cross and Blue Shield of Massachusetts HMO Blue, Inc.
- Connecticare of Massachusetts, Inc
- Fallon Community Health Plan, Inc.
- Harvard Pilgrim Health Care, Inc.
- Health New England, Inc.
- John Alden Life Insurance Company
- The MEGA Life and Health Insurance Company
- Mid-West Life insurance Company of Tennessee
- Neighborhood Health Plan, Inc.
- New England Life Insurance Company
- Tufts Associated Health Maintenance Organization, Inc. (doing business as Tufts Health Plan)
- Tufts Insurance Company
- United HealthCare Insurance Company
- UnitedHealthcare of New England, Inc.
The Massachusetts Division of Insurance provides the following list of licensed Massachusetts health insurance HMO providers:
- Aetna Health Inc.
- Blue Cross and Blue Shield of Massachusetts HMO Blue, Inc.
- CIGNA HealthCare of Massachusetts, Inc.
- ConnectiCare of Massachusetts
- Fallon Community Health Plan Inc.
- Great-West Healthcare of Massachusetts Inc.
- Harvard Pilgrim Health Care, Inc.
- Harvard Pilgrim Health Care of New England, Inc.
- Health New England, Inc.
- Neighborhood Health Plan, Inc
- Tufts Associated Health Maintenance Organization, Inc./Tufts Health Plan
- United HealthCare of New England, Inc
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