Monday, March 31, 2014

Delaware Health Insurance Information

Delaware Department of Insurance

Delaware Department of Insurance
The Delaware Department of Insurance is responsible for regulating all different kinds of insurance marketed in the state of Delaware - as well as health insurance policies. 

If you're searching for health insurance coverage, they've lists of insurance agents and insurance firms licensed to carry out business in Delaware. Go right listed below to know in the event your insurance company or agent is licensed to carry out business in Delaware. 

If you're having difficulty resolving a claims dispute along with your insurer, you are able to file a criticism while using Department of Insurance. They have a web consumer criticism kind right listed below

Delaware Department of Insurance 
841 Silver Lake Blvd. 
Dover, DE 19904 
Phone : 800. 282. 8611 or 302. 674. 7310 
Email : consumer@deins.state.de.us 

U. S. Department of Labor

If you have your insurance to perform your position, your plan is likewise regulated through the U. S. Department of Labor's Employee Benefits Security Administration (EBSA). They build and enforce the regulations your employer should adhere to when giving health insurance coverage to workers - for instance, your employer can't one out a personal employee to exclude her due to plan as a result of she (or one in every of her dependents) has a costly illness. Also, in case there may be 20 or maybe more workers at the position, you ought to be offered COBRA continuation coverage if you leave your position. The EBSA works to be sure that all this happens and also your rights are at ease. 

If you will have worries concerning your employer's practices in administering your job-based health coverage - for instance, if you feel you must are offered COBRA continuation coverage, however were not, or if you think in which you had been wrongly terminated from health status plan - make contact with your regional EBSA office. 

U. S. Department of Labor Employee Benefits Security Administration 
Philadelphia Regional Office 
Curtis Center 
170 S Independence Mall West, Suite 870 West 
Philadelphia, PA 19106-3317 
Mabel Capolongo - Director 
Phone : 215. 861. 5300 
Fax : 215. 861. 5347 

Buying Individual Policies in Delaware

Unfortunately, Delaware law enables insurers giving individual policies to reject applicants for acquiring preexisting medical conditions. However, all "HIPAA-eligible" people are guaranteed the proper to purchase a personal policy regardless of these health standing. "HIPAA eligible" people are anyone who has still remaining cluster health coverage AND absolutely exhausted all COBRA or state continuation coverage for which they're eligible. 

Delaware Healthy Children - the state Children's Health Insurance Program

Delaware Healthy Children gives health insurance coverage for youngsters beneath age 19 whose family meets sure income guidelines

Delaware Healthy Children 
The Division of Social Services 
The Lewis Building 
1901 N. Du Pont Hwy. 
P. O. Box 906 
New Castle, DE 19720 
Phone : 800. 372. 2022 or 302. 255. 9500 
Email : dhssinfo@state.de.us 

ELDERInfo

The Delaware ELDERInfo Program gives totally free of charge one-on-one counseling for Medicare beneficiaries along with questions on any aspect of Medicare, as well as the new Part D prescription drug profit, or Medigap coverage. 

ELDERInfo 
Phone : 800. 336. 9500 

Delaware Medicaid

Medicaid is really a government plan created to assist the poor and indigent acquire health care solutions. Pregnant ladies and youngsters beneath age 19 who meet sure income requirements could be eligible for Medicaid coverage, in addition to aged, blind, and disabled people. For a lot of data about eligibility, make contact with the Delaware Division of Social Services office.

Delaware Division Of Social Services
Delaware Division of Social Services 
The Lewis Building 
1901 N. Du Pont Hwy. 
P. O. Box 906 
New Castle, DE 19720 
Phone : 800. 372. 2022 or 302. 255. 9500 
Email : dhssinfo@state.de.us 

Wednesday, March 26, 2014

Connecticut Health Insurance Information

Connecticut Insurance Department

Connecticut Insurance Department
The Connecticut Insurance Department is responsible for regulating all kinds of insurance bought in the state of Connecticut - as well as health insurance policies. 

If you're searching for health insurance coverage, they've lists of insurance agents and insurance firms licensed to carry out business in Connecticut. Go in this article to discover if the insurance company or agent is licensed in Connecticut. 

If you're having difficulty resolving a claims dispute with the insurer, you could file a grievance using the Insurance Department. You could download a consumer grievance kind in this article

Connecticut Insurance Department 
153 Market Street 
Hartford, CT 06103 
Phone : 800. 203. 3447 
http://www.ct.gov/cid/site/default.asp

U. S. Department of Labor

If you have your insurance to perform your task, your plan can be regulated from the U. S. Department of Labor's Employee Benefits Security Administration (EBSA). They build and enforce the procedures your employer should comply with when providing health insurance coverage to workers - as an example, your employer can not one out a personal employee to exclude her due to plan as a result of she (or one in every of her dependents) has a costly illness. Also, in the event that there may be 20 or even more workers in your task, you should offered COBRA continuation coverage whenever you leave your task. The EBSA works to be sure that most of this happens and also your rights are safe. 

If you've worries about the employer's practices in administering your job-based health coverage - as an example, if you feel you ought to are actually offered COBRA continuation coverage, other then were not, or you believe that you had been wrongly terminated from your own health plan - get in touch with your regional EBSA office. 

U. S. Department of Labor Employee Benefits Security Administration 
Boston Regional Office 
J. F. K. Building, Room 575 
Boston, MA 02203 
James Benages - Director 
Tel 617. 565. 9600 
Fax 617. 565. 9666 
http://www.dol.gov/ebsa/

Connecticut Health Reinsurance Association

The Connecticut Health Reinsurance Association (HRA) gives coverage to people who are actually rejected for individual policies due to preexisting health conditions. HRA conjointly covers “HIPAA eligible individuals” that have still remaining cluster health coverage AND totally exhausted all COBRA or state continuation coverage for which they're eligible. For more details on HRA eligibility requirements, contact the HRA by phone or visit their website.

Connecticut Health Reinsurance Association 
100 Great Meadow Road, Suite 704 
Wethersfield, CT 06109 
Phone : 1. 800. 842. 0004 
http://www.hract.org/hra/index.htm

Buying Individual Policies in Connecticut

Unfortunately, Connecticut law enables insurers providing individual policies to reject applicants for acquiring preexisting medical conditions. The Connecticut Health Reinsurance Association is necessary to settle for applicants along with preexisting medical conditions, in addition to " HIPAA-eligible " people. " HIPAA-eligible " people are individuals who have still remaining cluster health coverage AND totally exhausted all COBRA or state continuation coverage for which they're eligible. 

Connecticut HUSKY Plan - the state Children's Health Insurance Program

HUSKY gives health insurance coverage for youngsters below age 19 whose family meets sure income guidelines. In addition, folks, relatives, caregivers, and pregnant girls could also qualify for HUSKY coverage. 

Connecticut HUSKY Plan 
P. O. Box 280747 
East Hartford, CT 06108 
Phone : 877. CT. HUSKY 
http://www.huskyhealth.com/

Connecticut CHOICES Program

The Connecticut CHOICES Program gives totally free of charge one-on-one counseling for Medicare beneficiaries along with questions on any aspect of Medicare, as well as the new Part D prescription drug profit, or Medigap coverage. 

Connecticut CHOICES Program 
Phone : 800. 994. 9422 
http://www.medicareadvocacy.org/CHOICES/ChoicesHome.htm

Connecticut Medicaid

Medicaid is really a government software intended to help you the poor and indigent attain health care expert products and services. Pregnant girls and youngsters below age 19 who meet sure income requirements can be eligible for Medicaid coverage, in addition to aged, blind, and disabled people. For additional info about eligibility, get in touch with your local Department of Social Services office. You could also realize more Connecticut Medicaid by downloading a brochure in this article


Connecticut Department of Social Services 
25 Sigourney Street 
Hartford, CT 06106-5033 
http://www.ct.gov/dss/cwp/view.asp?a=2353&q=305218

Wednesday, March 19, 2014

Colorado Health Insurance Information

Colorado Division of Insurance

The Colorado Division of Insurance is responsible for regulating all kinds of insurance bought in the state of Colorado - together with health insurance policies. 

If you're hunting for health insurance coverage, they have got lists of insurance agents and insurance firms licensed there is to do business in Colorado. Go to this link to discover if the insurance company or agent is licensed in Colorado. 

If you're having problems resolving a claims dispute with the insurer, you are able to file a grievance using the Insurance Department. An on-line grievance kind could be found at this link


Colorado Division of Insurance 
1560 Broadway, Suite 850 
Denver, CO 80202 
Phone : 303. 894. 7499 OR 800. 930. 3745 

U. S. Department of Labor

If you have your insurance over your career, your plan is likewise regulated via the U. S. Department of Labor's Employee Benefits Security Administration (EBSA). They create and enforce the guidelines that the employer should observe when providing health insurance coverage to staff - as an example, your employer can't only out a private employee to exclude her due to plan as a result of she (or one amongst her dependents) has a costly illness. Also, in case there will be 20 or maybe more staff in your career, you should offered COBRA continuation coverage if you leave your career. The EBSA works to make certain that all this happens and also your rights are at ease. 

If you've worries about the employer's practices in administering your job-based health coverage - as an example, if you feel you ought to are actually offered COBRA continuation coverage, other then were not, or if you think which you had been wrongly terminated from health status plan - get in touch with your regional EBSA office. 

U. S. Department of Labor Employee Benefits Security Administration 
Kansas City Regional Office 
1100 Main Street, Suite 1200 
Kansas City, MO 64105-5148 
Steve Eischen - Director 
Tel 816. 426. 5131 
Fax 816. 426. 5511 

CoverColorado

CoverColorado gives coverage to people that have been rejected for individual policies as a result of preexisting health conditions. For additional information on CoverColorado eligibility requirements, get in touch with CoverColorado by telephone or stop by their web page

CoverColorado
425 S. Cherry St. Suite 160 
Glendale, CO 80246 
Phone : 877. 461. 3811 

Buying Individual Policies in Colorado

Unfortunately, Colorado law enables insurers providing individual policies to reject applicants for obtaining preexisting medical conditions. CoverColorado is needed to settle for applicants along with preexisting medical conditions, in addition to " HIPAA-eligible " people. " HIPAA-eligible " people are anyone who has still remaining cluster health coverage AND absolutely exhausted all COBRA or state continuation coverage for which they're eligible. 

Colorado Child Health Plan Plus (CHP+) - the state Children's Health Insurance Program

CHP+ gives health insurance coverage for kids age 18 and beneath and pregnant ladies whose family meets sure income guidelines. Premiums are quite affordable - as low as $25/year. 

CHP+ 
P. O. Box 929 
Denver, CO 80201-0929 
Phone : 800. 359. 1991 

Colorado Senior Health Insurance Assistance Program (SHIP)

The Colorado Senior Health Insurance Assistance Program gives costabsolutely no cost one-on-one counseling for Medicare beneficiaries along with questions on any aspect of Medicare, together with the new Part D prescription drug profit, or Medigap coverage. 

Colorado Senior Health Insurance Assistance Program 
Phone : 888. 696. 7213 

Colorado Medicaid

Medicaid is really a government software made to assist the poor and indigent get health care providers. Pregnant ladies and kids beneath age 19 who meet sure income requirements might be eligible for Medicaid coverage, together with aged, blind, and disabled people. For additional data about eligibility, stop by the Colorado Medicaid Eligibility website.. 

Colorado Department of Health Care Policy and Financing 
1570 Grant Street 
Denver, CO 80203 

Sunday, March 16, 2014

California Health Insurance Information

California Insurance Department

Several state agencies regulate health insurance in California, as well as : 
  • California Department of Health Care Services – pays for and manages the California Medical Assistance Program (Medi-Cal), California Children’s Services plan, as well as the Child Health and Disability Prevention plan.
  • California Managed Risk Medical Insurance Board – directs 3 programs as well as the state’s high-risk insurance pool, the Access for Infants and Mothers plan, as well as the Healthy Families Programs 
  • Department of Managed Health Care – California has powerful patients' rights laws and also this department is the only real stand-alone HMO watchdog agency in the nation. 
  • California Department of Insurance – responsible for enforcing most of the insurance-related laws on the state and acts being a portal for health insurance info.


California Pre-Existing Condition Insurance Plan

The Pre-Existing Condition Insurance Plan (PCIP), that is administered by both your state or maybe the U. S. Department of Health and Human Services, might give health coverage for you personally in the event you have been uninsured for at the very least six months, you own a pre-existing situation or are already denied health coverage as a result of of your respective health situation, and therefore are a U. S. citizen or are residing right listed below legally. 

In California, the PCIP will just be operate via the state agency which presently manages California’s high-risk pool. 

Resources : 



California Programs for People along with Low Incomes or Special Needs

California has many programs every of which requires satisfy the healthcare needs of the group. Each plan has completely different eligibility criteria counting on family income and health standing. These programs embody : 

Traditional Medicaid (Medi-Cal) 
Medi-Cal, California’s ancient public health insurance plan (Medicaid), gives required health care companies for low-income people as well as families along with kids, seniors, folks along with disabilities, kids in foster care, pregnant ladies, and low income individuals with certain diseases like tuberculosis, breast cancer or HIV/AIDS. 

A distinctive plan managed by Medi-Cal will be the Breast and Cervical Cancer Treatment Program, which gives required cancer therapy for eligible ladies who are already diagnosed along with breast and/or cervical cancer and need cure. 

Healthy Families is really a low-cost insurance plan for kids and teens. It gives health, dental and eyesight coverage to kids who have no insurance and don't qualify for Medi-Cal. Members fork out a premium every month of $4 to $24 for every kid, or smaller than $72 to get a family. Members too fork out a co-payment (typically $5 to $15) once they move to the doctor or acquire some other companies. Some companies are totally free of charge. 


The AIM Program gives low-cost health care coverage for pregnant ladies. Their newborns could be lined via the Healthy Families Program. AIM is for middle-income families who don’t have health insurance and whose income is simply too large for Medi-Cal. AIM is additionally offered to California ladies that have health insurance in the event their deductible or co-payment for maternity companies is a lot more than $500. If you're enrolled in AIM, your baby is eligible for enrollment in Healthy Families unless your baby is enrolled in employer-sponsored insurance or Medi-Cal. 


CHDP is really a prevention plan which gives periodic health assessments and companies to low income kids and youth in California. CHDP gives companies to help families along with medical appointment scheduling, transportation, and admittance to diagnostic and cure companies. Health assessments for kids are provided by a few private physicians, native health departments, community health centers, managed care plans, and a few native school districts. 


Medicare and Senior Health Insurance Assistance Program (SHIP)

The California SHIP – referred to as California Health Insurance Counseling and Advocacy Program (HICAP) – is really a totally free of charge and unbiased counseling plan provided via the California Department of Aging. HICAP will be the main native supply for correct and aim info and assistance along with Medicare edges, prescription drug plans and health plans. 

Additionally, seniors can connect to California Health Advocates, a non-profit organization dedicated to Medicare advocacy and education. 


Buying an Individual Health Insurance Policy in California

To find out about the various plans offered in California speak along with an freelance insurance agent or broker. One useful resource will be the NAHU, the National Association of Health Underwriters. You can also discover info about plans in your town on the state in eHealthInsurance or HealthCompare


California Health Insurance Guides

Several California state agencies as well as other advocacy teams give guides to assist state residents navigate the health insurance program. 
  • Finding Health Care Coverage in California - composed for shoppers, this guide gives an exceptional overview of health insurance choices in California, as well as get in touch with info for native and state agencies.
  • Consumer Guide to Health Insurance – a detailed overview of health insurance basics and precisely certain health insurance troubles in California.
  • How to Use Your Health Plan – a instrument to assist you to use your HMO or PPO. This guide has answers to several typical queries, as well as info of your rights if you find yourself enrolled within a managed care plan.
  • California's HMO Guide for Seniors – a guide for seniors that are enrolled within a managed care plan. Provides info of your rights being a health plan member.


Additional Resources for California

The next sources give additional info about California and may possibly support you much better perceive a number of health-related troubles inside your state. 
  • Help for Californians along with Pre-Existing Conditions – a truth sheet from Families USA which discusses how, underneath the Affordable Care Act, nobody will just be denied coverage, charged the next premium, or marketed a policy which excludes coverage of important edges due to pre-existing conditions. 
  • Health Coverage in California : How Will Health Reform Help? – one more truth sheet from Families USA which discusses the most important gaps in California's health coverage program and the way health reform can address these gaps and assist residents on the state, as well as the insured, the uninsured, individuals in Medicare, and tiny businesses. 
  • State healthfacts.org – a service on the Kaiser Family Foundation which gives health-related statistics about every state. You can compare California towards the U. S., being a whole, or with other states. Which state has additional residents while not health insurance – California or Arizona? Check it out ! 
  • America’s Health Rankings – a service on the United Health Foundation which gives state-specific rankings from 1 to fifty to get a form of national health standards, like lifestyle and health outcomes. Where will rank California on the list of states for health-related troubles? Would you believe 47th for air pollution and 35th for that share of kids residing in poverty?

Thursday, March 6, 2014

Arkansas Health Insurance Information

Arkansas Insurance Department


The Arkansas Insurance Department is chargeable for regulating all different kinds of insurance offered in the state of Arkansas - together with health insurance policies. 

If you're searching for health insurance coverage, they have got lists of insurance agents and insurance firms licensed to carry out business in Arkansas. Insurance company internet sites might be found here

If you're having difficulty resolving a claims dispute together with your insurer, you are able to file a grievance while using Insurance Department. Contact the Insurance Department for any type, or fill one out on-line

Arkansas Insurance Department 
1200 West Third Street 
Little Rock, AR 72201-1904 
Phone : (501) 371-2640 or (800) 852-5494 



U. S. Department of Labor

If you will get your insurance over your work, your plan is likewise regulated from the U. S. Department of Labor's Employee Benefits Security Administration (EBSA). They create and enforce the regulations your employer should stick to when providing health insurance coverage to workers - for instance, your employer can't only out a private employee to exclude her due to plan as a result of she (or one amongst her dependents) has a costly illness. Also, in the event there may be 20 or maybe more workers in your work, you ought to be offered COBRA continuation coverage whenever you leave your work. The EBSA works to make certain that all in this happens and also your rights are secure. 

If you could have worries concerning your employer's practices in administering your job-based health coverage - for instance, if you feel you must have already been offered COBRA continuation coverage, other then were not, or if you think which you were wrongly terminated from your lifes health plan - speak to your regional EBSA office. 

U. S. Department of Labor Employee Benefits Security Administration 
Dallas Regional Office 
525 South Griffin Street, Room 900 
Dallas, TX 75202-5025 
Roger Hilburn - Director 
Tel 214. 767. 6831 
Fax 214. 767. 1055 

Arkansas Comprehensive Health Insurance Pool (CHIP) 

The Arkansas Comprehensive Health Insurance Pool delivers coverage to " HIPAA eligible " people, and also individuals who have been rejected for individual policies as a result of preexisting health conditions. " HIPAA eligible " people are those who have still remaining job-based cluster coverage AND have elective and totally exhausted any COBRA or state-operated continuation coverage they had been offered. For additional particulars on CHIP eligibility requirements, speak to CHIP by telephone or take a look at their web page. The web page too contains particulars on premium rates and coverage. 

Arkansas Comprehensive Health Insurance Pool 
P. O. Box 419 
Little Rock, AR 72203 
Phone : (800) 285-6477 

Buying Individual Policies in Arkansas

Unfortunately, Arkansas law enables insurers providing individual policies to reject applicants for possessing preexisting medical conditions. People along with this kind of conditions really should really take a look at choosing a policy with the Arkansas Comprehensive Health Insurance Plan. 

ARKids First - the state Children's Health Insurance Program

ARKids First gives health insurance coverage for youngsters below age 19 whose family meets sure income guidelines. There are 2 separate programs - ARKids A and ARKids B. ARKids B has additional generous family income limitations. 

ARKids First 
Phone : 888-474-8275 

Arkansas Seniors Health Insurance Information Program (SHIIP)

The Arkansas Seniors Health Insurance Information Program gives totally free of charge one-on-one counseling for Medicare beneficiaries along with questions about any aspect of Medicare, together with the new Part D prescription drug profit, or Medigap coverage. 

Arkansas Seniors Health Insurance Information Program 
Phone : 501-371-2782 or 800-224-6330 
Email : insurance. shiip@arkansas. gov 

Arkansas Medicaid

Medicaid is really a government system built to help you the poor and indigent acquire health care expert products and services. Pregnant ladies and youngsters below age 19 who meet sure income requirements could be eligible for Medicaid coverage, as well as aged, blind, and disabled people. For additional info about eligibility, speak to the Arkansas Department of Health and Human Services Office inside your country

Arkansas Department of Health and Human Services 
Phone : 800-482-8988 

Tuesday, March 4, 2014

Arizona Health Insurance Information

Arizona Department of Insurance 

The Arizona Department of Insurance is responsible for regulating all kinds of insurance bought within the state of Arizona - as well as health insurance policies. They have 2 offices - one located in Phoenix and maybe located in Tucson. Either one might help, thus choose the actual office closest for you. 

If you're attempting to find health insurance coverage, they have got lists of insurance agents and insurance corporations licensed to carry out business in Arizona. 

If you're having problems resolving a claims dispute along with your insurer, you are able to file a criticism using the Department of Insurance. They have a very Health Care Appeals Request kind accessible for download. 

Arizona Department of Insurance - Phoenix Office 
2910 North 44th Street 
Suite 210 
Phoenix, AZ 85018 
Phone : (602) 364-2499 or (800) 325-2548 
http://www.id.state.az.us/
Arizona Division of Insurance - Tucson Office 
four hundred West Congress 
Suite 152 
Tucson, AZ 85701 
Phone : (520) 628-6370 or (800) 325-2548 
http://www.id.state.az.us/

U. S. Department of Labor

If you have your insurance to perform your occupation, your plan can be regulated from the U. S. Department of Labor's Employee Benefits Security Administration (EBSA). They build and enforce the actual policies that the employer should stick to when giving health insurance coverage to workers - as an example, your employer can not only out a personal employee to exclude her coming from the plan as a result of she (or one in all her dependents) has a costly illness. Also, in the event that there may be 20 or maybe more workers in your occupation, you need to be offered COBRA continuation coverage if you leave your occupation. The EBSA works to ensure that all in this happens and also your rights are at ease. 

If you could have worries concerning your employer's practices in administering your job-based health coverage - as an example, if you believe you must happen to be offered COBRA continuation coverage, however were not, or if you believe that will you had been wrongly terminated from your lifes health plan - make contact with your regional EBSA office. 

U. S. Department of Labor Employee Benefits Security Administration 
Los Angeles Regional Office 
1055 East Colorado Blvd., Suite 200 
Pasadena, CA 91106-2341 
Billy Beaver - Director 
Phone 626. 229. 1000 
Fax 626. 229. 1098 
http://www.dol.gov/ebsa/

Healthcare Group of Arizona

The Healthcare Group of Arizona delivers coverage to little business owners along with fifty or much less workers. This can be an possibility for self-employed people that are unable to get a personal policy as a result of preexisting conditions. In buy to qualify, you need to happen to be in business for at the very least 60 days and nights and happen to be uninsured for at the very least 6 months - or have creditable coverage from a bunch plan. 

Healthcare Group of Arizona 
700 E. Jefferson St., #200 
Phoenix, AZ 85034 
Phone : (602) 417-6755 or (800) 247-2289 
http://www.healthcaregroupaz.com/Default.aspx

Buying Individual Policies in Arizona

Unfortunately, Arizona law enables insurers to reject applicants for obtaining preexisting medical conditions - UNLESS they're " HIPAA-eligible " people. " HIPAA eligible " people are people that have still remaining job-based cluster coverage AND have elective and totally exhausted any COBRA or state-operated continuation coverage these folks were offered. HIPAA eligibility no more than lasts for 63 days and nights following the day COBRA coverage expired. If you're " HIPAA eligible ", insurers should provide you at the very least 2 totally different individual policies to choose from. For additional data about HIPAA policies, make contact with the actual Arizona Department of Insurance. 

KidsCare - the actual state Children's Health Insurance Program 

KidsCare gives health insurance coverage for kids age 18 or younger whose family meets sure income guidelines. KidsCare is incredibly economical - smaller than $25 for every month for one kid, and smaller than $35 for every month regardless how several kids you could have. 

KidsCare 
920 E. Madison 
MD 500 
Phoenix, Arizona 85034 
http://www.kidscare.state.az.us/
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