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Implications That Relocating Will Have On Individual Health Insurance

When you move or relocate, there are a number of disadvantages that you may face and this may vary from one person to the other. Since the insurance is controlled or regulated by individual states, you have to replace your health insurance cover when you relocate to a different state. This means that one has to be familiar with the laws of the state they are moving to. This also applies to people under Consolidated Omnibus Budget Reconciliation Act (C.O.B.R.A.) cover. The difference in the laws that govern the health care systems in each state means that the insurance companies will make policies based on those laws making it potentially different from the policy you had from your original state.

You may also be at a minor inconvenience when it comes to portability because the Health insurance Portability and Accountability Act does not protect people with individual insurance cover but only those in group health insurance coverage. The individually health insured are protected by the laws of the respective state they are relocating to. This may require you to buy a short term insurance coverage that can provide you with insurance for up to 12 months. This is because you may have to wait for a period of about 90 days or so before your application for residency and the requirements have been fulfilled. In case you have a pre-existing condition, there are laws on such matters that differ from state to state. This means that a particular state may have laws that aim at limiting the exclusion of a pre-existing or even downright barring it from any health insurance policy. In Maryland, pre existing exclusion by HMOs is prohibited by law which is contrary in other states. You may have to do research on the laws of the state you are moving to and the implications your pre existing condition has on your medical insurance cover.

Retirees often move to states with favorable weather all round the year and as a result, buying new medical insurance coverage becomes inevitable. To get terrific individual health insurance, you will have to do a little shopping around if you are searching for the best option available in that particular state. Also, if you are retired and old enough, Medicare would be an option or even a Medicare supplemental plan.

When relocating, try and find a health insurance provider that will give you a policy similar to the one you have. It is wise to make a research on whether your insurance carrier has facilities in the state you are moving to. In this case, you might not have to buy new health insurance but just continue with the one you currently possess. The most valuable thing is to make certain that you have health insurance coverage at all times. Relocation is not an excuse not to have health coverage even for a brief span of time.

To compare rates from different health insurance carriers or to get free heath quotes for comparison when relocating, enter your zip in the space provided at the top of the page.