We are here to provide you, our customer, with everything you need to make an educated decision relative to your new Health Insurance Policy. Unlike every other company you will get no high pressure sales pitch here. Our promise to you is that we will provide you with the top 5 Health Insurance Carriers in Alabama and allow you to make an unpressured decision. Only speak to a broker if you want to! Your new health insurance policy is only 3 minutes away!
We are here to provide you, our customer, with everything you need to make an educated decision relative to your new AL Health Insurance Policy. Unlike every other companies you will get no high pressure sales pitch here. Our promise to you is that we will provide you with the top 5 Health Insurance Carriers in Alabama and allow you to make the decision. Only speak to a broker if you want to, yet still have access to those top 5 companies! Your new health insurance policy is only 3 minutes away!
Alabama State Health Insurance Laws
It is important to understand Alabama health insurance regulations before applying. In Alabama this is particularly important since there is not much insurance regulation by the state.
Alabama laws do not require insurance companies to accept your application. Based on your medical history, insurance companies can increase your premiums and/or just not offer you insurance; this means Alabama is not a guaranteed issue state! Many states offer credit to individuals who have prior coverage, but not in Alabama. On the other hand, Alabama is a guaranteed renewable state, which means once you have coverage no insurer can cancel you coverage assuming all premiums are paid to date. Let us help you get a
Pre-existing conditions are handled in one of two ways in Alabama. One way is for there to be an elimination rider added to the policy stating that there will be no coverage given for the pre-existing condition. Another way is for the insurance company to add a waiting period onto the health policy. The waiting period for coverage can not last more than 2 years.
Alabama does have some great programs designed to help their resident’s children:
Like many other people in Alabama, you may find yourself on COBRA and not know what to do. COBRA stands for Consolidated Omnibus Budget Reconciliation Act of 1985. In short this allows AL Residents to continue getting their Group Health Insurance even if they are not employed by their employer anymore. Alabama COBRA Health Insurance is similar to most other states to the fact that it only lasts for 18 months, in most instances. Please contact your former employer for specific situations where your COBRA coverage may be extended.
Often, college students find themselves paying a lot for their AL Student Health Insurance. This does not have to be the case. It does not matter if you go to A&M University, AL State University, Auburn University, The University of Alabama or any other college, we can help you find an affordable AL Student Health Insurance quote. There are certain requirements Alabama has for its student health insurance policies, but in most cases, AL Student Health Insurance is very affordable. To get a quote just click here!
Alabama Short Term Health Insurance
Short Term Health Insurance can be very useful if you are in-between jobs, just graduated college, or just started a job that has a 3+ month waiting period before you are eligible for benefits. It is very important to remember that you as an individual want continuity of coverage. Meaning that you always want to have something inforce to protect your insurability when applying for new coverage. A short term policy would protect that insurability. Alabama Short Term Health Insurance is very affordable and very easy to apply for. For a quote just click here!
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We understand health insurance premiums continue to skyrocket! If you are a relatively healthy individual, or family, we recommend taking a high deductible plan and paying for the smaller medical expenses out of your pocket. In the short term it might seem like not a great idea, but over the long term most people find themselves saving money year after year.
Still have questions? Please fill out our contact form and a licensed Alabama Health Insurance Professional will contact you.
Not ready to buy but want to stay in contact with us? Input your email address below and we will send you our contact information automatically so you will always be able to come back with questions or to sign up for a policy.
Top Rated Alabama Health Insurance Companies
Blue Cross Blue Shield of Alabama – Blue Cross Blue Shield was founded in 1937. Currently Blue Cross Blue Shield of Alabama insures 1.75 million people through their wide range of products; medical, life, and disability. Every BCBS is an independent corporation and Blue Cross Blue Shield of Alabama is just one of 48.
Golden Rule – Golden Rule actually underwrites United Health Cares policies. Golden Rule works exclusively on the individual and group medical markets. It is hard to find a stronger rated company. AM Best rated them (A) for "excellent" and Standard and Poor’s gave them a (A+) which represents "strong".
Humana – Is one of the largest publicly traded health insurance companies in the country. Currently Humana insures about 6.7 million members across the country and in Alabama. Not only does Humana offer Health insurance in Alabama, they also offer dental, disability and life insurance. But they specialize in large groups as well as for the individual group market.
Celtic – Celtic originally started out as a Group Health Insurance Provider in early 1978. Slowly they began focusing more and more on the individual health market, and currently today they exclusively provide individuals medical insurance.
Celtic is known as a conservative company, with high ratings, and great customer service. They have had an Excellent (A-) rating from AM Best since 1986. With a conservative outlook, a focus on a specific medical market (individual health) and strong customer service, it is no wonder why Celtic is a strong player in Alabama!
