Finding the perfect health insurance plan to cover your individual needs may seem like a dream come true, especially in light of all the different rules and regulations in each state. And Health Plan One works toward making that dream a reality for each of our customers! We offer health plans in all 50 states along with the District of Columbia.
Thanks to our free price comparison tool, you can compare quotes from major providers such as Aetna, HealthNet, UnitedHealthcare, Humana, and many more, no matter which state you live in — and no matter how complex their rules are. As an example of the many nuances we have built into our website for you, take a look at these specific rules for our customers in Arizona, Kentucky, New Jersey, and Ohio.
If you are between jobs, Arizona has one of the longest allowed spells of unbroken coverage. You must not have a break in coverage of more than 63 days or else your insurer may refuse to cover treatment for any pre-existing conditions you may have (like asthma or acne) for up to 365 days after your policy goes into effect. In states like New Jersey, the spell of unbroken coverage is just 31 days, so Arizona is lenient in this regard.
The state of Kentucky offers a children’s health insurance plan called KCHIP. This is a program that offers low-cost health coverage to uninsured kids under the age of 19. In order to apply, the child’s parents must have a family income below 200 percent of the federal poverty level. Families earning more than 150 percent of the federal poverty level are charged a relatively low rate. KCHIP covers mental health services, x-rays, immunizations, lab tests, and more.
Medical underwriting is not even allowed on the individual market in New Jersey. Insurance companies are not allowed to change prices on the majority of insurance products for gender, age, smoking habits, and health status, so the cost of your premium could be high even if you are young and healthy. That’s where the Health Plan One comparison tool comes in handy, to ensure you are not overpaying for your insurance.
The state of Ohio has its own version of the KCHIP program called Healthy Start. It is similar to the KCHIP program in Kentucky in that it is a Medicaid program for families earning less than 200 percent of the federal poverty level with children under the age of 19. There is also a related program called Healthy Families, which is available to families with incomes of up to 90 percent of the federal poverty level as long as these families have children under the age of 19.
As you can plainly see, there is no such thing as one-size-fits-all when it comes to health insurance. Even two families with identical needs will need different coverage if they live in different states, due to the complexity of the market.
However, at Health Plan One, we have designed a health insurance comparison tool that bypasses all but the most relevant information for your family. No longer do you have to spend countless hours finding the right coverage, because all the information you need is right at your fingertips.