Alabama Health InsuranceHealth Insurance RegulationsAlabama doesn't require health insurance companies in the state to sell standard policies that are created by the state. Alabam health insurers may design their own health plan options and include the benefits, deductible and coinsurance limits that they so choose.For individual health plans, the health insurance companies have the right to deny your application based on your health status, either past or present. Even if the insurance company does not request an exclusion rider at the time of your acceptance, Alabama law permits them to exclude pre-existing conditions for up to 24 months and they are not required to recognize creditable coverage from prior health insurance coverage. Health Insurance ResourcesAlabama ALL Kids ProgramThis state-sponsored program aims to provide Alabama health coverage to children who are residents of the state and are not eligible for Medicaid and are unable to obtain health coverage through any other means. Alabama Medicaid Agency Provides health insurance coverage to low-income families in Alabama Alabama Department of Insurance Phone: 334-269-3550 Alabama Health Insurance QuotesWhen shopping for a Alabama health plan for you and your family, you should always compare offerings from multiple carriers before you ultimately make your purchase decision. It could save you money as well as insure that the underlying benefits are the best fit for your needs |
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