With many providers in the state, Iowa medical insurance quotes are not hard to come by. The Iowa Health Insurance Network, for example, represents five different major plan providers which cater to citizens of the state from every walk of life and in all economic situations, and Iowa itself was ranked as the 15h healthiest state in the Union in 2009 according to the United Health Foundation. While it has other statistics to recommended it, such as the second lowest rate of infant mortality in the United States and the 5th lowest rate of uninsured citizens, it also has one of the lowest numbers of doctors per capita, with only 84 physicians for every 100,000 people.
What this means for citizens of the state is that finding a reasonable Iowa medical insurance quote with access to a reputable physician is absolutely essential.
Iowa Medical Insurance Quotes and the Uninsurable – What You Need to Know
For families or individuals with pre-existing health conditions or a history of family illness, it is not money that prevents them from obtaining medical insurance, but rather the fact that no private company will even offer them an Iowa medical insurance quote. For cases such as this, Iowa, along with several other states, offers a risk pool, which is a state-sponsored plan that helps those who cannot obtain insurance in the typical manner due to extraordinary circumstances.
Every state risk pool is different, but all provide coverage to those who need it most. In many cases, insurance companies themselves are required to contribute to the pool in order to be able to operate in the state, thus keeping the risk pool in the black and coverage available for those who cannot be insured any other way.
Nationwide Health Statistics and What They Mean for any Iowa Medical Insurance Quote
All insurance companies operate on the basis of risk, and while the Iowa Department of Health Services (DHS) ultimately overlooks the insurance industry in Iowa, providers are largely left to their own devices to set premiums and provide Iowa medical insurance quotes. These providers look at past health trends and numbers in order to set their rates for all citizens of Iowa.
For example, Iowa ranks highly for having a low number of poor physical health and mental days taken off from work, in addition to premature deaths in the state, being respectively 4th, 5th and 6th overall. However, Iowa is 9th in the United States for the lowest amount of infectious disease, and is 48th for the lowest amount of binge drinking. These potential health issues mean that an Iowa medical insurance quote will be higher than in a state where binge drinking is not such an issue, or where infection control procedures are of better quality.
Overall, Iowa ranks fairly high in terms of medical safety and the health of its citizens, helping to mitigate the initial cost of Iowa medical insurance quotes. Contact us to get excellent, affordable medical insurance quotes for you and your family.