Vermont Health Insurance

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Vermont Health Insurance

Vermont Health Insurance Companies
Blue Cross Blue Shield of Vermont
Vermont Health Insurance 101
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.
Vermont Group Health Insurance (Small Business: 1-50 employees)
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 COBRA Individual 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 in Vermont
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. Income 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 Covered Services 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.vtmedicaid.com/
Other Vermont Health Insurance Programs
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://ovha.vermont.gov/for-consumers/dr-dynasaur