The Health Insurance Exclusion (HIE) program is an individual and employer sponsored insurance plan under the Affordable Care Act (Obamacare) that covers some health insurance plans but excludes the rest. Individual and employer sponsored health insurance plans covered by the Health Insurance Exclusion are commonly referred to as ‘pre-existing condition’ plans.
These health insurance plans are generally available to individuals. There is a special HIE group insurance plan available for self employed individuals. Most plans cover major medical, maternity and hospitalization expenses, prescription drug coverage and vision care, but exclude dental and Vision Care coverage. The PPO plans cover major medical and hospital expenses.
These group health insurance plans can vary greatly in price and coverage. For this reason, it is strongly recommended that you research all of your health insurance options to make sure that you are covered fully for your health insurance needs.
Most employers offer group insurance plans for their employees. If you are self employed, you may have to purchase your own individual health insurance plan to meet all of your individual health insurance needs. However, even though you may be responsible for the majority of the costs of your health insurance, you will save money by purchasing an individual health plan.
If you have an existing health condition and would like to be covered under a health insurance plan under the individual or group insurance plans, but do not have any type of pre-existing condition then you may want to consider an HIE. Most HIE plans include a doctor co-pay and you may even qualify to receive a referral if your doctor has successfully treated other individuals for your condition. You will still be responsible for the expenses associated with your health care, including any co-pays that you pay for your doctor visit.
HIE health insurance plans typically also provide coverage for emergency room visits, hospital stays, preventive care and emergency room visits. The Health Insurance Exclusion plan covers preventive care visits at a reasonable rate. There may be deductibles that you must pay on the plan, but they are generally lower than what you may be paying on any private health insurance plans that cover preventive care.
The HIE plan is designed so that when you go to the doctor, you and your family can receive the medical attention that you need without worrying about how you will pay for your health insurance. Since this is your health insurance, you are in control of how much you spend on your health care.
This type of affordable health insurance plan is one of the best ways to help you pay for the medical care you require if you have a medical condition. Whether you are self employed, or a stay at home parent, the HIE is something that you cannot afford to not have. You can have complete access to the health care you need. By getting coverage for your pre-existing condition, you can focus on living a quality life instead of worrying about how you are going to pay for the health care you need.
While you may be able to receive insurance quotes on the internet, it is important that you get in front of an experienced broker for the best HIE quotes. They will know what is covered and what is not covered under the HIE plan. They will also know which types of insurance are available to meet your needs.
It is important that you understand the terms and conditions of the HIE policy that you are considering. You should also be aware of any exclusions that may apply to you such as pre-existing conditions, preexisting conditions that are not life threatening, or being overweight.
To determine the amount you will be required to pay on the HIE plan, you must compare the price of the premiums on several different HIE plans. You must also consider the level of coverage that you require.
Remember, if you have a pre-existing condition or are obese then you may want to consider HIE health insurance, it may be just what you need to keep the costs down. Whether you are self employed, or a stay at home mom, HIE can help protect your financial future.