Cheap Health Insurance in Alabama
Alabama is the 46th healthiest state in the US with 1.2 million people recorded as obese and almost 19% of the population uninsured. Even though public funding for health per person in the state is $116, there is still an increased need for cheap health insurance in Alabama.
Alabama Health Coverage
It is not mandatory in Alabama for the providers to offer standardized policies. However, all providers must cover the screening for breast cancer and the hospital stay post delivery. It is essential that one does enough research and comparisons to get the most affordable health insurance in Alabama. Alabama allows medical underwriting, so the provider would check the applicants’ medical history before covering them.
All the major insurance providers offer a variety of coverage for the residents of Alabama. In addition to the private providers, there are few other sources of cheap health insurance in Alabama. Some of them are discussed here.
High Risk Pool Program
Alabama State sponsors coverage for people who have a family history of health problems. It would be difficult for such people to obtain affordable or even any coverage directly from the private providers. The cost of insurance varies from $110 to $364 depending on the age and the type of coverage required. One has to be resident of Alabama and should have had continuous coverage for 18 months to qualify for the high-risk pools program.
Alabama Medicaid Agency
Pregnant women from low-income families, qualifying individuals on Medicare, children, residents of nursing home and disabled individuals meeting the requirements can qualify for this government program.
Children 18 years or below can benefit from this SCHIP program, which offers low-cost coverage.
Alabama Department of Senior Services
The older population can get Medicare services and more from the government through this department.
The Alabama Health Insurance Plan (AHIP)
Those who are eligible under HIPPA can qualify for cheap health insurance in Alabama through the AHIP. Those who have left their job (where they were sufficiently covered) and need permanent coverage now can qualify for this.
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