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Finding good health insurance may seem overwhelming, but we can help by connecting you with multiple agents who will compete for your business. These agents will help you find the most affordable health insurance that will provide the best coverage for you and your family.

Health insurance helps pay for out-of-pocket expenses for diagnosis and treatment of covered medical conditions. If employer provided health insurance is available to you, this is usually the lowest cost health insurance option. If you are unemployed, self-employed or if your employer does not provide medical coverage you can usually purchase it independently through an insurance agent or broker. The second most affordable option is often an employer provided Consolidated Omnibus Budget Reconciliation Act (COBRA) plan. If you are not eligible for COBRA or your COBRA option has expired, your old coverage did not expire due to non-payment and you have had 18 months of continuous group health coverage under an employer group health plan, then you are generally considered “Federally Eligible” for a Health Insurance Portability and Accountability Act (HIPAA) plan. If you are not Federally Eligible than you can still get coverage, but insurers may impose a waiting period for coverage and coverage of pre-existing conditions. Some employers offer a Flexible Spending Account to set aside pretax dollars for medical expenses and childcare. An FSA can help you save money because you are using pre-tax dollars to pay for your medical expenses.

There are two types of medical insurance known commonly as indemnity and managed-care plans. The major differences between the two types is evident in how you choose your provider, how out-of-pocket expenses are handled and how bills get paid. For example, under an indemnity policies you usually can choose any doctor or hospital that you wish when seeking services. Under a managed-care plan, you either select a primary care physician who treats and directs all health care for you or you are given a list of preferred providers from which you can chose any provider. Under indemnity plans, you often to pay upfront and are reimbursed after a deductible is applied. Under a managed care plan, providers agree to perform services for patients at pre-negotiated rates and usually the provider handles the claims processing for you.

The state of Alabama has created the Alabama Health Insurance Plan to assist people who have exhausted coverage through a group plan and are not eligible for other group coverage, Medicare, Medicaid or other plan. The AHIP offers two plans. A traditional indemnity policy through Blue Cross and a managed care policy through United Healthcare to residents of the state who meet certain eligibility requirements. To be eligible, you must:

• Be a permanent Alabama resident with at least 18 months of continuous healthcare coverage.
• Your most recent continuous coverage was under a group health plan, government plan, or church plan.
• You had extended coverage under COBRA and exhausted those benefits.
• Your previous insurance coverage was not terminated due to fraud or failure to pay your premiums.
• Your application is received within 63 days of the last day your group or COBRA coverage was in effect.

You are not eligible if you can be covered under other health insurance (e.g. your spouse's employer) or can be covered under Medicaid or Medicare. Speak to your agent if you think you may be eligible for the AHIP.

When looking for a good health insurance plan, make sure that you compare rates and coverage carefully. We can help with that process by offering you mulltiple quotes from competing insurers.