Vermont Health Insurance Quotes

Blue Cross Blue Shield of Vermont

In Vermont medical underwriting is not allowed. There is a 9 month look back and 12 month exclusionary period limit for preexisting conditions.

 

In Vermont, all individuals, regardless of medical conditions, are guaranteed insurance coverage.

In Vermont, rates are based on a community rate based on age and gender.  There is a 6 month look back and 12 month exclusionary period limit for preexisting conditions for those without prior health coverage.

Vermont 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. 

Medicaid is a state/federal program that pays for medical and long-term care services for low-income pregnant women, children, certain people on Medicare, disabled individuals and nursing home residents. These individuals must meet certain income and other requirements.

 

Children

Children (ages 1-5)-225% of the Federal Poverty Level
Children (Ages 6-19)-225% of the Federal Poverty Level

 

Pregnant Women and Infants

Pregnant Women-200% of the Federal Poverty Level
Infants (ages 0-1)-300% of the Federal Poverty Level

 

Parents

Non Working Parents- 185% of the Federal Poverty Level

Working Parents- 192% of the Federal Poverty Level

 

Other populations

Medically Needy Individual- 102% of the Federal Poverty Level

Medically Needy Couple- 76% of the Federal Poverty Level

Supplemental Security Income Recipients- 74% of the Federal

Poverty Level

 

Hospital outpatient, rural health clinic, federally qualified health centers, laboratory and x-ray, nursing home, physician services, dental, early periodic screening diagnosis and treatment, family planning, clinic services, prescription drugs, case management, medical transportation, nurse midwife, extended services for pregnant women, and ambulatory prenatal care.

Co-Payments

Co-payments vary. There are no co-payments if you are under 18, pregnant, living in a nursing home, or receiving family planning services.

 

You may learn more about Vermont Medicaid at http://www.dsw.state.vt.us/Programs_Pages/Healthcare/medicaid.htm. 

 

Vermont offers the Dr. Dynasaur program to children up to the age of 19 whose family incomes are up to 300% of the Federal Poverty Level. Individuals must be Vermont residents and U.S. citizens or legal residents. Dr. Dynasaur also offers services for pregnant women. Please visit the Dr. Dynasaur website for more detailed information at http://www.path.state.vt.us/Programs_Pages/Healthcare/drdynasaur.htm.