There are no standards for Alabama health insurance in regards to either policy coverage or price. However, the state requires that all Alabama health insurance cover certain benefits such as post-delivery hospital stays and breast cancer screening. The Alabama Insurance Commissioner does, however, have power over Alabama health insurance rates and costs to ensure that fees, charges, and rates are not unreasonably high or excessive. Alabama health insurance companies providing individual health insurance do not have to give credit for prior coverage, unlike group health plans. Also, pregnancy may be considered a pre-existing condition under certain Alabama health insurance policies. Any pre-existing condition may require an exclusion period by the insurer that is not to exceed 24 months.
Our service gets you connected to the top health insurance carriers in Alabama and lets you choose the one that best fits your needs and budget. In addition to online health insurance quotes, you may receive quotes direct from agents from top companies.
The agents we work with have literally thousands of products and plan types available. Whether you're looking for a family or individual plan, a self employed plan, a group plan, a child-only policy, or an affordable student health plan, the agents we work with have many options to choose from. Even seniors and high risk applicants can get quotes, with hundreds of Medicare supplement policies, high risk health plans, and health discount cards to choose from. Finally, you can get help from licensed agents who provide flexibility in choosing the type of policy that is right for you, including PPO plans, HMO plans, Health Savings Accounts, point-of-service plans, and more.
Our process is fast, easy, and free! Simply enter your basic information into our online forms (your information will be kept safe on our secure servers). After you have completed our short online questionnaire, you will see free quotes online from many of the top companies listed above - you can even purchase your policy online. Additionally, we will match you with local agents in your area who can provide additional quotes, answer any questions you may have about coverage, and assist you in every step of the buying process.