Need Iowa Health Insurance Quotes?

Purchasing health insurance in Iowa is an important matter and as such, it deserves significant thought and consideration. Several factors may affect your decision regarding the type and amount of health insurance that you choose to purchase. Regulations regarding health insurance vary from one state to the next. Be sure to consider the following facts, when considering the purchase of Iowa health insurance.

Iowa consumers have similar options from which to choose when they consider health insurance. Private companies offer individual health plans for qualified people. Group health plans cover the majority of residents, while those with low incomes may qualify for Medicaid.

Group health plans offer the best and most affordable insurance coverage. Burdened by the same rising costs as private companies, insurance companies offering group benefits try to reign in costs any way they can. Fortunately, Iowa prohibits group carriers from excluding preexisting conditions.

One way that all insurance companies limit costs is by excluding coverage for some preexisting conditions. Most states only allow companies to look back 12-18 months into your health history for preexisting conditions. Iowa allows private carriers to look back five years, which can be a financial burden to some people.

The Iowa Comprehensive Health Association offers insurance for those individuals with chronic health conditions. People who have exhausted COBRA benefits may apply for coverage as well.

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