Increasing Insurance Costs:
With the increasing cost of providing health insurance for you and your family, the prospect of finding affordable health insurance is both daunting and confusing. Health insurance premiums have risen 81% in Mississippi in the past 6 years, according to Families USA. In fact, about 371, 200 Mississippi adults do not have insurance at all, according to Kaiser Family State Facts.
But family health insurance is essential and luckily, there is no need to feel you are alone when selecting a plan. If you reside in Connecticut and need to find a better family health insurance plan or obtain health insurance, Health Plan One can help you review all possible insurance solutions. Fill in your zip code above to get an instant online insurance quote for your family health insurance plan.
Insurance & Politics: What Your State Government Is Doing:
Mississippi offers the CHIP program to children up to age 19 who are residents of Mississippi, whose family incomes are up to 200% of the Federal Poverty Level, and who do not qualify for Medicaid. Please visit the CHIP website for more detailed information at http://www.dom.state.ms.us/CHIP/chip.html.
Congress is helping Mississippi avoid a potential $15 million shortfall in the state’s children health insurance program. In a statement, Gov. Haley Barbour said Friday he was told an extra $23 million will be sent to cover health care for more than 60,000 children enrolled in the program.
In Mississippi, medical underwriting is allowed without restriction. There is a 12 month look back and exclusionary period for preexisting conditions.
Mississippi offers a high risk pool through the Mississippi Comprehensive Health Insurance Risk Pool Association (MCHIRPA). You may be eligible for this pool if you match the following criteria: • A legal resident of Mississippi • Under age 65 • Without access to other medical coverage
• Uninsurable due to medical reasons
Preexisting Conditions
A preexisting condition is a medical condition for which medical advice or treatment was recommended or given within 6 months prior to coverage under this plan. High Risk Individual Plans have a 12 month waiting period for any preexisting medical condition.
Coverage under this high risk pool includes doctor visits, prescription drugs, outpatient and in-hospital care, ambulance, labs and x-rays, skilled nursing care, hospice, home health visits, transplants, rehabilitation, durable medical equipment, mental health and substance abuse, physical, speech and occupational therapy.
Small businesses have been a frequent target of fake insurance scams since employers are always looking to reduce health insurance costs and simply do not have the purchasing power to negotiate more competitive rates for their employees.
Mississippi offers COBRA, the Consolidate Omnibus Budget Reconciliation Act of 1985. Many companies with 20 or more employees that offer health insurance are required to offer employees and their dependents continuation coverage for benefits that were lost due, for example, to job loss, reduction in hours worked, death, or divorce.
Mississippi Department of Insurance
Mississippi Department of Health Services
Mississippi Risk Pool Information
Mississippi Consumer Health Guide
