North Dakota is in 2nd place when it comes to the state with the least air pollution. They also have a low crime rate and a high rate of high school graduation. This can make North Dakota a great place to live. But unfortunately, the stateвЂ™s overall health has taken a downward turn in the last few years.
The Need for Health Insurance North Dakota
Regardless of how the stateвЂ™s overall health ranks among other states, health insurance is still a necessity for every family. Although the state has a risk pool for the uninsured, there is no good reason for anyone to be without health insurance, especially children and the elderly.
When You CanвЂ™t Afford Health Insurance North Dakota
Finding affordable ” does not have to be a challenge. In fact, the state is ready and willing to help. Several organizations are available to help those who do not think they can afford health insurance. One such organization is SHIC, the State Health Insurance Counseling Program. This organization is available for those who have questions about Medicare, including their prescription drug coverage and Medigap. SHIC offers free counseling and will help you with making claims as well as your general bills and paperwork. Those who fall into a low income bracket and cannot afford their own health insurance should consider North Dakota Medicaid, which offers help and assistance to low income people, especially pregnant women, children under 19 years old, and disabled people.
Heath Status Requirements for Health Insurance North Dakota
Unfortunately, although the state has made several laws to protect those who fall ill from losing their insurance, it is legal for insurance companies to deny your application for insurance because of your health status. This could make it difficult for you to find a good health insurance plan, but just because you are denied by one company does not mean that all your other attempts to get health insurance will be futile as well. You also may be considered a HIPAA-eligible individual which can get you coverage if you have had at least a year and a half of coverage and the last day of that coverage was through a group plan. You must also have used up all COBRA continuation coverage that you were offered. If you qualify for HIPAA status you will be able to purchase insurance through the Comprehensive Health Association of North Dakota which will cover your medical needs including your pre-existing condition.
Supplemental Health Insurance North Dakota
Many people think that their health insurance covers every medical need that they could possibly have, but this is not always the case. Unfortunately, many of those people run into a health problem that their insurance does not cover, which can leave them with very expensive bills and no way to pay them. This is why it is essential that you know exactly what your insurance policy covers. This knowledge will allow you to decide if you need any supplemental insurance to cover things like dental, vision, cancer insurance, maternity and pre-natal care, chiropractor visits, and mental health. Some of these may already be a part of your insurance plan, while others may be things that you have never thought of.
Finding Affordable Health Insurance North Dakota
It can be difficult to find an insurance policy that gives you complete medical coverage without breaking the bank, but you there are still a few ways that you can save. Comparison shopping will help you to find the best plan for the best price. Chances are that your current insurance plan is not the best deal. You can also adjust your deductible. Raising your deductible will lower your monthly payments, which is a good idea if you are a fairly healthy person.
Get a Free Quote for Health Insurance North Dakota
If you think that you are spending too much money on your health insurance or you are looking for health insurance, enter your zip code at the top of the page to compare quotes for ” insurance policies. It is completely free, and all you have to do to get started is enter your zip code.