Temporary Health Insurance in Massachusetts
Massachusetts Temporary Health Insurance Plans
And Your New Group Health Insurance Plan
Temporary health insurance in Massachusetts works the same way as any regular health insurance plan, and it can take effect the following day, giving you continuous and uninterrupted health coverage. But there will be a few restrictions and limitations regarding the coverage. Temporary health insurance plan may include medical expenses, hospitalization, and dental benefits. But it will not include coverage for maternity and preexisting health conditions. This is one of the main concerns of people with high maintenance health conditions. Though it will give coverage for basic medical needs, it will not be sufficient enough for it to take the place of their group health insurance plan. And it may even result to having financial problems caused by high out-of-the-pocket expenses.
Health reform laws aim to make health insurance more stable and consistent than how it is now. An individual leaving his employer would have to worry about finding a new health insurance plan. This is made more complicated and difficult for people with pre-existing health conditions and who are receiving routine medical treatment and maintenance. Some people have no other option but to carry the whole weight of the medical cost alone. But there is an alternative method of getting a more comprehensive temporary health insurance in Massachusetts. And this is by retaining the previous coverage while waiting for a new group health insurance plan or while finishing a pre-existing condition exclusion with your new health insurance.
COBRA is a popular and convenient method of retaining the coverage of a group health insurance plan. People who had been dismissed from work and their dependents can elect COBRA and get the same coverage than they previously had. Even dependents can elect COBRA if they recently became ineligible for coverage as per policy rules. The employee needs to have been dismissed due to non-misconduct related reasons to qualify for COBRA. This health extension program can keep the coverage for up to 36 months depending if the individual is disabled. But a normal plan duration will last for up to 18 months and this is non-renewable.
The cost of temporary health insurance in Massachusetts, particularly its coverage through COBRA, is higher than the plan’s original premium. This is because the individual will have to pay for the premium all by himself. This cost will amount to the sum of his premium, when he was still employed, and the employers share plus 2 percent administrative fee. So the choices are pay more and have complete coverage or pay less and have non-relevant health coverage, since a temporary health insurance in Massachusetts bought from a private health insurance company will not give any coverage to any medical bill related to a pre-existing health condition.
Things About Your New Group Health Insurance Plan
Your new group health insurance can either be from another employer or organization. Or you may also have had chosen to get your own family an individual health insurance plan. But in the case of the latter, here are a few reminders:
·Health conditions that were acquired no less than 6 months from enrollment are the only ones to be considered as a pre-existing health condition. Anything that excludes to this must not be applied a waiting period, or the time to be spent before coverage can apply.
·Group health insurance plans are prohibited by law to implement a pre-existing condition exclusion on newborns, newly adopted children, children placed on adoption, pregnancy and genetic conditions.
·If you are enrolled in a fully insured group health plan, a pre-existing condition exclusion must not exceed 6 months. And this may vary depending on the type of your membership.
For more information about your privileges and rights regarding your group health insurance plan, you can call the Massachusetts Division of Insurance and the Center for Medicare and Medicaid Services at 410-786-3000.
Insurance Companies Offering Temporary Health Insurance in Massachusetts
Boston, Massachusetts
·Diclemente Insurance Agency
·Edmund Morante Insurance Agency Inc
·Exchange Insurance Agency Inc
·H Mottard Insurance Agency, Inc
·Massachusetts Interlocal Insurance Association Inc (Miia)
Worcester, Massachusetts
·Feingold & Feingold Insurance Agency Inc
·Gorden C Lockbaum Insurance
·John F Finnegan Insurance Agency
·The Hanover American Insurance Company
·Value Benefits Insurance Agency, Inc
Springfield, Massachusetts
·Blue Cross And Blue Shield Of Massachusetts, Inc (Blue Cross)
·Chittenden Insurance Agency
·Express Insurance Agency
·Holton Insurance Agency
·Mercury Insurance Agency
Quincy, Massachusetts
·Insuranceone Insurance Agency, Inc
·Nepo Amo Insurance Agency (Amo Nepo B Insurance And Re)
·Rutstein Insurance Inc Agency Inc
·Thorbahn And Associates Insurance Agency, Inc
Wellesley, Massachusetts
·Cochrane & Porter Insurance Agency Inc
·Employee Benefit Resources Insurance Brokerage Inc
·Gibson Deland Insurance Associates Inc
·Larhette Manin Benefits Service Group, Inc
·Renaissance Insurance Agency, Inc (Renaissance Group)
And Your New Group Health Insurance Plan
Temporary health insurance in Massachusetts works the same way as any regular health insurance plan, and it can take effect the following day, giving you continuous and uninterrupted health coverage. But there will be a few restrictions and limitations regarding the coverage. Temporary health insurance plan may include medical expenses, hospitalization, and dental benefits. But it will not include coverage for maternity and preexisting health conditions. This is one of the main concerns of people with high maintenance health conditions. Though it will give coverage for basic medical needs, it will not be sufficient enough for it to take the place of their group health insurance plan. And it may even result to having financial problems caused by high out-of-the-pocket expenses.
Health reform laws aim to make health insurance more stable and consistent than how it is now. An individual leaving his employer would have to worry about finding a new health insurance plan. This is made more complicated and difficult for people with pre-existing health conditions and who are receiving routine medical treatment and maintenance. Some people have no other option but to carry the whole weight of the medical cost alone. But there is an alternative method of getting a more comprehensive temporary health insurance in Massachusetts. And this is by retaining the previous coverage while waiting for a new group health insurance plan or while finishing a pre-existing condition exclusion with your new health insurance.
COBRA is a popular and convenient method of retaining the coverage of a group health insurance plan. People who had been dismissed from work and their dependents can elect COBRA and get the same coverage than they previously had. Even dependents can elect COBRA if they recently became ineligible for coverage as per policy rules. The employee needs to have been dismissed due to non-misconduct related reasons to qualify for COBRA. This health extension program can keep the coverage for up to 36 months depending if the individual is disabled. But a normal plan duration will last for up to 18 months and this is non-renewable.
The cost of temporary health insurance in Massachusetts, particularly its coverage through COBRA, is higher than the plan’s original premium. This is because the individual will have to pay for the premium all by himself. This cost will amount to the sum of his premium, when he was still employed, and the employers share plus 2 percent administrative fee. So the choices are pay more and have complete coverage or pay less and have non-relevant health coverage, since a temporary health insurance in Massachusetts bought from a private health insurance company will not give any coverage to any medical bill related to a pre-existing health condition.
Things About Your New Group Health Insurance Plan
Your new group health insurance can either be from another employer or organization. Or you may also have had chosen to get your own family an individual health insurance plan. But in the case of the latter, here are a few reminders:
·Health conditions that were acquired no less than 6 months from enrollment are the only ones to be considered as a pre-existing health condition. Anything that excludes to this must not be applied a waiting period, or the time to be spent before coverage can apply.
·Group health insurance plans are prohibited by law to implement a pre-existing condition exclusion on newborns, newly adopted children, children placed on adoption, pregnancy and genetic conditions.
·If you are enrolled in a fully insured group health plan, a pre-existing condition exclusion must not exceed 6 months. And this may vary depending on the type of your membership.
For more information about your privileges and rights regarding your group health insurance plan, you can call the Massachusetts Division of Insurance and the Center for Medicare and Medicaid Services at 410-786-3000.
Insurance Companies Offering Temporary Health Insurance in Massachusetts
Boston, Massachusetts
·Diclemente Insurance Agency
·Edmund Morante Insurance Agency Inc
·Exchange Insurance Agency Inc
·H Mottard Insurance Agency, Inc
·Massachusetts Interlocal Insurance Association Inc (Miia)
Worcester, Massachusetts
·Feingold & Feingold Insurance Agency Inc
·Gorden C Lockbaum Insurance
·John F Finnegan Insurance Agency
·The Hanover American Insurance Company
·Value Benefits Insurance Agency, Inc
Springfield, Massachusetts
·Blue Cross And Blue Shield Of Massachusetts, Inc (Blue Cross)
·Chittenden Insurance Agency
·Express Insurance Agency
·Holton Insurance Agency
·Mercury Insurance Agency
Quincy, Massachusetts
·Insuranceone Insurance Agency, Inc
·Nepo Amo Insurance Agency (Amo Nepo B Insurance And Re)
·Rutstein Insurance Inc Agency Inc
·Thorbahn And Associates Insurance Agency, Inc
Wellesley, Massachusetts
·Cochrane & Porter Insurance Agency Inc
·Employee Benefit Resources Insurance Brokerage Inc
·Gibson Deland Insurance Associates Inc
·Larhette Manin Benefits Service Group, Inc
·Renaissance Insurance Agency, Inc (Renaissance Group)
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