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General Articles
on Health Care
Your Rights under Alaska Health Insurance Law
Copyright
Pending
The only guarantee issue
Alaska Health Insurance policies for individuals with pre-existing medical
conditions that prevent them from being insured with other Alaska Health
Insurance Companies are from the State of Alaska. This program is
also available for low income individuals. The program is The Alaska
Comprehensive Health Insurance Association at
http://www.achia.com They can also be reached at
1-888-290-0616. There is a six (6) month waiting period period before
pre-existing medical conditions are covered.
Copyright
Pending
Why Should You Buy
Alaska
Health Insurance?
The cost of
health care has risen drastically over the past few decades. If
you do not have Alaska 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 Alaska
health care can total from $30,000 to $200,000 and much more
in some cases. If you don’t have Alaska 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 Alaska Health Insurance
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Do not sign an application for Alaska 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.
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When you buy an Alaska 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
Alaska Health Insurance company background
information.
Tips for Avoiding
Fraudulent Alaska Health Insurance Plans
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The best tool for avoiding fraud is your phone. Call your Alaska
Health insurance department and find out whether the
insurance agent and Alaska Health Insurance company
are licensed in the state.
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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.
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If an Alaska 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.
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Beware of any Alaska Health Insurance agent or company that:
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Refuses to provide proof of state licensure.
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Insists on cash payments or a check made out to them.
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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.
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Verbally
states something is covered without showing you the
details in a company publication.
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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.
Copyright Pending
If you want
to check the status of any Alaska Health Insurance Company you can do so through the
Alaska State Insurance Office at
http://www.dced.state.ak.us/insurance/
or the National Association of
Insurance Commissioners (NAIC) at http://www.naic.org
There are many choices for
Alaska 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 Alaska 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 Alaska 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 Alaska as an individual, family, small business,
group or are self employed we can find an Affordable Health
Insurance in Alaska healthcare plan to meet your budget.
For
Alaska Short Term Health Insurance or Temporary insurance you can get a quote.
If
you are traveling there is an instant quote button for travel insurance
and international insurance.
If you have a non-resident relative visiting the U.S. they can get
instant quotes and apply for
insurance from their country by applying on line through the travel
insurance and international insurance SRI button.
