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Finance > Insurance > Health InsuranceDipping into your State Health Insurance Pool - What Are The Requirements?
Posted by nick_niesen in Finance on October 29th Authentic Braden Smith Jersey , 2010


State health insurance is a branch of health insurance that is for high-risk individuals with chronic andor pre-existing conditions. Most common diseases to see on this type of insurance are HIV, AIDS, kidney disease Authentic Darius Leonard Jersey , obesity, and diabetes. This high-risk pool is designed to act as a safety net to offer some form of insurance to these people but for a hefty premium. This program has fewer participants due to the cost. This plan is not low-income friendly. Rates can be as much as double what the normal market value for health insurance is. The pool does tend to offer better benefits but is definitely geared to those people that truly afford insurance. So, most people who fall under this category and require this type of plan are likely to be uninsured due to not being able to afford a plan. This plan is last resort for persons with such illnesses that land them for emergency or hospital care frequently Authentic Quenton Nelson Jersey , and it that case pays for itself quickly. Some of the few persons who cannot afford this are lucky enough to have a spouse in the work place that is able to add them to their policy from their employer, these plans cannot discriminate due to chronic or long-term illnesses. The State Health Insurance Pool knows its rates are high, and claims so are medical costs for the chronically ill. They have to charge more to be able to get ahead and stay afloat.