Low Cost Health Insurance

Are there preexisting condition limitations if I change health plans?---There is no preexisting condition limitation under your new plan when you transfer plans under group insurance. Any condition for which you are receiving treatment prior to your coverage change will be covered immediately by your new plan.

What kinds of individual and family insurance plans are available?---There are several different types of health insurance plans. These include HMO, PPO, and POS plans. HMO’s are managed care as the insurance company determines who your doctors are and what care you will receive. POS plans are geographically focused plans that are a cross between a HMO and PPO. PPO’s make use of healthcare provider networks and you are free to choose your own doctors within the network. Healthcare providers within a network agree to perform services for PPO plan patients at pre-negotiated rates and will usually submit the claim to the insurance company for you. In general, you'll have less paperwork and lower out-of-pocket costs with a PPO health insurance plan. You’ll have an even broader choice of healthcare providers with an indemnity plan because there is not network, it’s any doctor, any hospital, anywhere.

What happens to my health insurance in the event of a layoff, illness or other types of leave?---If you are ill or hospitalized (i.e. automobile accident), your insurance benefits will remain in place. Persons leaving employment are entitled to continue the health coverage for up to 18 months under a Federal law referred to as COBRA. Cost of coverage is borne fully by the employee under COBRA.