Alabama Health Insurance

Health Insurance Overview

Alabama residents have many options for health care coverage. There are numerous Alabama insurance providers to choose from, along with a variety of Alabama medical insurance plans designed to meet the specific needs of individuals, families and groups.

Whether you need independent self-employed health coverage, or your employer simply doesn’t offer group Alabama health insurance benefits. Whether you are looking to cover your spouse and children under the same low rate, or you are a small business that wants to provide your employees with affordable coverage. Whatever your situation, we are your one stop resource for all your health care needs – including reliable Alabama medical insurance from the best Alabama insurance providers around.

Each state is unique in its laws and regulations, as well as the types of coverage it offers. Here you will find an array of resources and useful information to help you better understand Alabama health insurance and the range of options available to you. This includes current facts and statistics about residents, important state legislation, financial assistance and public Alabama health insurance programs, and even details on some of the top Alabama insurance providers.

To compare specific Alabama medical insurance plans offered by the various Alabama insurance providers, and get a personalized quote for the options that are right for you, contact us now for free. We’ll connect you with a highly qualified insurance agent near you who will be happy to help you with all of your Alabama health insurance needs.

At Healthcare Solutions Team, we’re committed to making affordable health care accessible to everyone. Our group of elite Alabama health insurance advisors is dedicated to helping match the right coverage to fit the unique needs of all families, individuals and groups. Not a resident of Alabama? Find your state here.

Alabama Health Insurance Facts & Statistics

Total Alabama Residents – 4,727,300

Total Health Insurance Coverage In Alabama:
Employer – 49%
Individual – 5%
Medicaid – 15%
Medicare – 15%
Other Public – 2%
Uninsured – 14%

Average Individual Monthly Premiums – $136

Average Annual Single Employee Contribution for Employer-Based Health Insurance Plan – 23%

Average Annual Single Employee Premium for Employer-Based Health Insurance Plan – $1,128

Average adjusted hospital cost per inpatient day – $1,372

Source data according to the Kaiser Family Foundation (http://www.kff.org/) (2009-2012 data) and http://www.statehealthfacts.org/

Alabama Medical Insurance Laws, Regulations & Policies

In Alabama, the individual health insurance market is largely unregulated. State law does not require guaranteed issued coverage for any kind of individual health insurance plan. However, Alabama health insurance law does make group health insurance for small groups of two to 50 guaranteed issue.

Alabama medical insurance plans are required to cover cancer screening for prostate, breast and colorectal cancer. Alabama insurance providers are also required to uphold mental health parity, which means that mental health conditions must have coverage limits and maximums set equal to those for physical conditions. Yet insurance companies in Alabama are allowed to consider pregnancy a pre-existing condition and may restrict coverage to pregnant women applying for a plan. Residents with pre-existing conditions have access to coverage through the state’s high risk pool, often at higher costs.

All policyholders in Alabama group health plans are protected under the federal law HIPAA, and eligible residents also have a right to COBRA coverage as well. HIPAA reduces the limits for pre-existing conditions under any new coverage, and ensures that companies cannot require exclusions or waiting periods. Because the federal law makes employees eligible for COBRA only in companies with more than 20 workers, Alabama has enacted a state expansion law that allows all employees to have access to COBRA coverage for a temporary time period after leaving a group health plan. To learn more about HIPAA plans, visit https://www.alseib.org/Healthinsurance/ahip/. For information about COBRA, visit http://healthinsurance.alabama.gov/ts_cobra.htm.

Alabama Health Insurance Resources

Alabama Health Care Services

Explore Alabama Public Health Department’s Guide to Health Care Services. Learn more.

Directory of Alabama Public Health Resources

Find health information and services, local offices, health programs, mental health departments and providers. Visit Alabama.gov.

Alabama Department of Senior Services

Get access to Medicare resources for the state health insurance assistance program, and more, to help Alabama’s older population. Visit http://www.alabamaageline.gov/.

Alabama Farmers Federation

The Alabama Farmers Federation (AFF) is a membership-based organization that offers health insurance through its Alfa Health Plan, which is administered by Blue Cross and Blue Shield of Alabama. Visit the website to learn more about membership, benefits, coverage restrictions and eligibility requirements. Visit http://www.alfafarmers.org/.

Public Education Employees’ Health Insurance Plan (PEEHIP)

The Public Education Employees’ Health Insurance Plan (PEEHIP) provides financial assistance to qualifying Alabama public education employees and their dependents. PEEHIP CHIP (Children’s health insurance Program) is offered to children of public education employees who qualify. Visit the website to learn more. Visit www.rsa-al.gov/PEEHIP/peehip.html.

Alabama Health Insurance High Risk Pool

The Patient Protection and Affordable Care Act established temporary national high risk pools to provide health insurance to those with pre-existing conditions. The Pre-Existing Condition Insurance Plan (PCIP) for residents in Alabama is not a public program and enrollees will pay monthly premiums and out-of-pocket costs similar to normal Alabama medical insurance plans.

Recipients of Alabama’s PCIP will pay around the same amount that people without pre-existing conditions pay on the private insurance market. The estimated monthly premium rates for the Alabama health insurance high risk pool are $338 for ages 0 to 34; $406 for ages 35 to 44; $518 for ages 45 to 54 and $721 for people over 55 years of age. Alabama enrollees are required to pay a $2,500 deductible for covered health care services before the high risk plan kicks in. There are also affordable copayments for doctor visits and prescriptions.

Residents are eligible to enroll in the Alabama Pre-Existing Condition Insurance Plan if they are a United States’ citizen, have an existing medical condition, and have been uninsured for six months. For more information on the Alabama health insurance high risk pool, visit http://www.healthcare.gov/index.html.

To stay up-to-date on the latest health care reform news, visit: http://healthreform.kff.org/

Alabama Medical Insurance and Health Care Programs

The state of Alabama offers residents quite a few public health insurance programs to assist low-income residents in getting access to affordable health care and insurance coverage. These programs include:

  • Medicaid
    This is the federal and state health care program for low-income children, pregnant women and adults. Health benefits for Medicaid are administered and regulated on a state-to-state basis. For more information, visit http://www.medicaid.alabama.gov/. To find detailed eligibility requirements for the Alabama Medicaid program, click here.
  • Alabama All Kids Program
    All Kids is Alabama’s State Children’s Health Insurance Program (SCHIP) for children under the age of 19 who do not qualify for Medicaid but are unable to afford private coverage. To get more information on the All Kids Alabama medical insurance program, visit http://www.adph.org/allkids/.
  • Alabama Breast and Cervical Cancer Early Detection and Treatment Program
    This program provides some Alabama women free cancer screenings and care. Women who have been diagnosed with breast or cervical cancer through this program may qualify for health insurance coverage for medical care through Medicaid. For more information on this Alabama health insurance program, visit http://www.adph.org/.
  • Alabama Medicare
    Alabama seniors who are eligible for Medicare can find coverage through Medicare Advantage plans, Medicare Supplement plans or Original Medicare.

Some trade workers and early retirees may qualify for the Federal Health Coverage Tax Credit to help pay up to 65% of health plan premiums for themselves and their families.

Alabama Insurance Providers

Assurant Health Insurance

Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to more than 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.

Celtic Health Insurance

Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.

Golden Rule Health Insurance

Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.

Great American Health Insurance

Great American Insurance Company, part of Great American Financial Resources Inc., is a leading provider of health insurance and other coverage solutions.

Humana Health Insurance

Through affordable health insurance options, Humana helps its members better manage their health care and make informed health decisions.

John Alden Health Insurance

John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, it is part of Assurant. John Alden plans include individual health and small group coverage. It also sells Health Savings Account plans.

Standard Security Life Health Insurance

The Independence Holding Company (IHC) provides management services to large companies that deliver insurance solutions to groups and individuals. As divisions of IHC, the Standard Security Life Insurance Company of New York and the Independence American Insurance Company offer various lines of life, health and disability insurance.

Time Insurance Health Insurance

Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.

Time Short Term Health Insurance

Today, Time Short Term health insurance is offered through the Assurant name. Time short-term health plans provide comprehensive coverage for a temporary period of time at affordable rates.

UnitedHealthOne Health Insurance

Golden Rule, a United Healthcare company, has been offering affordable health insurance solutions for more than 60 years.

WorldIns ExpressMed Health Insurance

World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.

Important Contacts and Links

Alabama Department of Insurance and Public Health

Find the contact information for the Alabama health insurance and public health departments at:

Alabama Division of Insurance
U.S. Mail Address:
P O Box 303351
Montgomery, AL 36130-3351

Overnight Address:
201 Monroe Street Suite
1700 Montgomery, AL 36104
Phone: 334-269-3550
Fax: 334-241-4192
http://www.aldoi.gov/

Alabama Department of Public Health
The RSA Tower
201 Monroe Street
Montgomery, AL 36104
Toll free: 1-800-ALA-1818
http://www.adph.org/