Since health insurance is a necessary need for protection against sickness and injury, it stands to reason that if you are a Washington DC resident you are going to need District of Columbia health insurance. The more information you have when considering getting health insurance, the better decision you will be able to make. You will find information here that will help you make an informed decision on your District of Columbia medical insurance choice.
Some Data About District Of Columbia Health Insurance Coverage
All insurance in the Washington DC area is regulated by the District of Columbia Department of Insurance, Securities, and Banking; and that includes health insurance. This is the place to go to get lists of insurance companies and agents that are licensed to do business in the District of Columbia. If you have a claims dispute with your insurer and have a problem getting it resolved, just file a complaint with the Department of Insurance, Securities, and Banking. The U.S. Department of Labor”s Employee Benefits Security Administration also regulates your District of Columbia health insurance if you get it through your job. Employers must follow the rules made and enforced by this organization when offering health insurance coverage.
For example, an employee cannot be excluded from coverage because they or one of their dependents has a costly illness. In jobs that employ 20 or more people, individuals should be offered COBRA continuation coverage when leaving the job. The U.S. Department of Labor”s Employee Benefits Security Administration makes sure that this happens and that your rights are protected.
Some Of the District Of Columbia Medical Insurance Programs
Since the District of Columbia doesn”t have regulations regarding how individuals are evaluated, private health insurers can deny or accept coverage based on factors such as gender, age, past medical history, and health status. These factors can also affect your premium. The insurer can raise your premiums at any time. However, District of Columbia residents can get a “guaranteed issue” policy through a number of companies. Through this policy, they are required by law to sell individual health insurance regardless of the health history of that applicant.
There is also the DC Healthy Families Program that offers free health insurance for you and your kids. It is provided by the DC Department of Health and the Medical Assistance Administration. DC Healthy Families provides three health plans: Unison Health Plan, Health Right, and DC Chartered Health Plan. You choose the one that”s right for you. In order to decide what District of Columbia medical insurance coverage is best for you, you must first know what kind of coverage you want. Will it be for a family or an individual?
Now that you have some information on District of Columbia health insurance, you should be able to decide what kind of insurance will best suit your needs. If you find that you need more information or need a quote for District of Columbia medical insurance coverage, be sure to contact us – we”ll be glad to help!