If you've been receiving TennCare or any other affordable health insurance benefits in Tennessee, but have found yourself no longer eligible, you must search elsewhere for affordable health insurance in Tennessee. There are critical deadlines that must be met before obtaining affordable health insurance goes from being somewhat annoying to nearly impossible.
Planning to enroll in a group health insurance plan? You must do so within 30 days of losing your previous health insurance in Tennessee. You may be enrolling in the group health insurance plan offered by your employer, or one offered by your spouse's employer. Either way, make sure you enroll before the 30 days is up or you might find it difficult to get affordable health insurance.
Planning to purchase an individual health insurance plan? If you've been insured for the past 18 months but have lost coverage and now wish to purchase an individual health insurance plan, you have a bit more time to get the ball rolling than you would have with a group health insurance plan. You must purchase an individual health insurance plan within 63 days after losing your previous health insurance coverage.
Prepare yourself for a waiting period. If you have a pre-existing health condition, you could be subject to a ?waiting period? before your new health insurance plan actually takes effect. However, if you've had 18 months of constant health insurance and haven't not exceeded the allotted amount of time in between coverage, a waiting period might not apply to you.
Losing health insurance can be depressing. One day you're ready to conquer the world because, after all, if you fall down you know you can pay for a doctor to fix you! The next day, you're afraid to leave your home. Do not let the loss of affordable health insurance in Tennessee intimidate you. Get out there and find yourself another affordable health insurance plan before your deadlines are up!
Affordable Alternative Health Insurance
Wisconsin is to be commended for its efforts to provide affordable health insurance to those low income individuals who otherwise would not be able to afford health insurance in Wisconsin. Like several states, Wisconsin has developed a program to assist its low income residents in obtaining the health care they need, even though they can not afford to purchase any kind of health insurance policy. This program is called BadgerCare, and it provides a broad health benefits package to families who can not find affordable health insurance in Wisconsin.
Also similar to other states, Wisconsin has set criteria for becoming eligible for the BadgerCare program. Those criteria are as follows:
? Each family wishing to participate in the BadgerCare program must have at least one child under the age of 19 residing in the home.
? Each family wishing to participate in the BadgerCare program must meet the income requirements, i.e., the family can not bring in more income than what is set in the income guidelines.
? Each family wishing to participate in the BadgerCare program can not be covered under any other health insurance policy.
Although BadgerCare provides free health care to some families, other families may have to pay a low premium based on the families? income; even if you must pay a premium, it will be low since it's based on your income. The BadgerCare program is an excellent way to obtain affordable health insurance in Wisconsin when all other options seem exhausted.
You can find more information about the BadgerCare program in several different ways. Contact the State of Wisconsin Office of the Commissioner of Insurance to request more information about the BadgerCare program, or check out the Web site to read about it. You can also obtain information about the BadgerCare program by contacting your local Certifying Tribal Agency or social or human services department. Want to get right to the point? Call 800-363-3002.
Both Angela Farnsworth & Elizabeth Newberry are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
