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Your Rights under Alabama Health Insurance Law 

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The only guarantee issue Alabama Health Insurance policies for individuals with pre-existing medical conditions that prevent them from being insured with other Alabama Health Insurance Companies are from the State of Alabama. This program is also available for low income individuals.  The program is The Alabama Health Insurance Plan at http://www.seib.state.al.us/2K2/ahip/aa.asp.  They can also be reached at 1-877-619-2447. There is no waiting period for pre-existing medical condition coverage and is limited to high risk individuals eligible under the HIPAA act of 1996.

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Why Should You Buy Alabama Health Insurance?

The cost of health care has risen drastically over the past few decades. If you do not have Alabama medical insurance to help pay bills, a serious injury or illness can be financially devastating to you and your family.  The most recent studies on bankruptcy show that approximately 50% of all personal bankruptcies are due to serious illness.  Even if you are ill for only three to six months the bills for Alabama health care can total from $30,000 to $200,000 and much more in some cases. If you don’t have Alabama health insurance coverage you can be exposed to high health care bills; or, if you have too little or the wrong kind of coverage, you won’t have enough protection. Add this to the bills you were unable to pay while unemployed and it is easy to see how bankruptcy occurs.

What To Look For When Buying Alabama Health Insurance

• Be sure you feel confident working with the Alabama Health insurance agent and company you choose. It is a good idea to contact the Alabama state insurance department and check that the agent and the company you are working with are licensed to sell insurance in Alabama.

• Learn what kinds of Alabama Health Insurance policies will provide what you need and pick the one best for you. For tips on what questions to ask go to our list of Important Questions when buying Health Insurance. Don’t hesitate to shop around and ask a lot of questions.

• Do not sign an application for Alabama Health Insurance until you review it carefully to be sure the answers are complete and accurate. Make sure that the word “insurance” is actually used and that there is no disclaimer stating that, “This product is not insurance, nor is it intended to replace insurance.”  There are hundreds of insurance scams occurring around the country offering coverage for $50 to $130 to cover the whole family. Don’t get caught in a scam. If it sounds too good to be true, its too good to be true.

• When you buy an Alabama Health Insurance policy, make the check payable to the company, not the agent. Always pay by check or money order, and write your policy number on the payment. Do not give the agent your bank account number for automatic withdrawals until you have verified  the agent and Alabama Health Insurance company background information.

• Ask for a receipt for all Alabama Health Insurance payments. The receipt should include your policy number, the date of payment and the name of the Alabama Health Insurance Company.

Tips for Avoiding Fraudulent Alabama Health Insurance Plans

• The best tool for avoiding fraud is your phone. Call your Alabama Health insurance department and find out whether the insurance agent and Alabama Health Insurance company are licensed in the state.

• Fraudulent plans are most often sold through direct mail solicitations, fax, radio ads or over the Internet, so be especially wary when responding to these solicitations.

• If an Alabama Health Insurance policy costs far less than what other companies are charging, this could be a warning sign. It’s a good thing to comparison shop, but if a policy is significantly cheaper, beware. If it sounds too good to be true, it probably is.

• Beware of an Alabama Health Insurance agent or company that:

  • Refuses to provide proof of state licensure.

  • Insists on cash payments or automatic withdrawal.

  • States this is a “one-time deal” or your “last chance for special savings.”

  • Boasts that the coverage is available to anyone, regardless of history or risk.

  • Verbally states something is covered without showing you the details in a company publication.

  • Tells you no other company provides this coverage or that the only other company is much more expensive.

  • Tells you they can sell you any company but only has company publications for one company.

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  We provide Affordable Low Cost ALABAMA HEALTH INSURANCE, ALABAMA LIFE INSURANCE and ALABAMA MEDICARE SUPPLEMENTS. We have many companies for Alabama Small Business Health Insurance, Self Employed Health Insurance, Family Health Insurance, Individual Health Insurance and Disability Insurance.  We represent many different insurance carriers so our Agency and agents can provide the best value Health Insurance in Alabama available for individuals, families, self employed, group and small businesses.

   There are many choices for Alabama Affordable Health Insurance Plans. If you are looking for health insurance for an Individual, Family, self employed or Business there is a  Low Cost Health Insurance in Alabama health plan to fit your needs. Programs are available in Traditional, PPO, POS, HMO, HSA's (Health Savings Accounts) or for Catastrophic occurrences. You can use the instant quote buttons to get quotes from multiple insurance carriers and programs. We provide you with health insurance quotes from multiple Alabama Health Insurance companies. We help you choose the health insurance company and health insurance plan that best fits your needs. If you are looking for Health Insurance for Alabama as an individual, family, small business, group or are self employed we can find an  Affordable Health Insurance in Alabama healthcare plan to meet your budget.

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  Where to find more information on Alabama Healthcare and Health Insurance

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