If you live in Massachusetts, health insurance is now mandatory. If you are without health insurance and are not covered by a group plan or state assisted plan you are required to purchase your own individual health insurance. As a consumer, it is important to understand the difference in Masshealth plans to know which is best for you.
So what does guarantee issue mean? Massachusetts Insurance companies are guarantee issue, insurance companies can not deny coverage to any individual or charge higher premiums on the basis of their current health. They also do not have the right to raise insurance premiums based on an individuals age or if their health has declined. An insurance company can not cancel a policy on this basis.
First, Massachusetts Health Care Reform Law was written so health insurance companies could not deny your Masshealth coverage due to your health or illness For you, this has provided a safeguard that people in other parts of the country do not have. Providers for Masshealth insurance plans include: Some of the most popular plans include: Mid-West National Life Insurance Company of Tennessee (The Alliance For Affordable Services), Mega Life Insurance Compant (the National Association for the Self Employed, Harvard Pilgrim, Tufts, Blue Cross Blue Shield and Fallon Health.
When deciding on an individual MassHealth Individual Insurance plan, please be aware that most masshealth plans do not include dental insurance coverage. Blue Cross Blue Shield is one of the more complete plans offering a high percentage of your vision coverage is included in the health care plan.
For a woman, purchasing individual health insurance, coverage for pregnancy may be very critical if you are of child bearing age. Generally Masshealth programs treat gynecological examinations similar to their vision examination coverages, where a woman can receive a limited number of examinations over a certain time period. Maternity care is treated with very specific rules and increased rates for coverage. When considering coverage for your family and especially your children you will find there are Masshealth plans to fit most any need. When selecting a good masshealth program for you and your family be aware that the coverages increase and decrease in relation to the cost of the coverage and variations in amount of the deductibles.
Mass Health Regulations for Penalty for Uninsured Residents is due to increase in 2008. The Reform Law has had recent regulation changes, which will have an increased penalty for those residents of Massachusetts who are uninsured. Increased penalties of up to $912.00 per person can be charged for those who fail to purchase health insurance coverage on time. The state of Massachusettes is increasing this penalty to try to enforce more residents to purchase the new mandated masshealth coverage plans.
Consumers would be advised to secure expert assistance in selecting their medical coverage plans. As experts in the MassHealth State Law, we can help you sort through the plans and find the best policy fit for you. We, at Business Health Insurance experts have already done the research for you. We can easily assist you in finding the right customized insurance quote. We listen to your needs and work within your budget. Securing you a quote that is affordable and fills your specific needs is our priority.
When you are researching your online Masshealth insurance options you will find there are a many plans available in a wide range of prices and coverage options. You may find that you would like to have expert assistance in explaining the many options and plans in an easy to understand manner.