Individual Mississippi Health Insurance Rights

In Mississippi health insurance law, every existing policy must have a guaranteed renewability clause. This means that a Mississippi health insurance policyholder has the right to renew his or her policy at the end of the term regardless of excessive illness or increasing age. This Mississippi health insurance regulation is in effect to insure policyholders’ rights to health insurance coverage.

Though Mississippi health insurance policyholders have guaranteed renewability even in the case of illness, Mississippi health insurance companies can refuse to initially insure an applicant based on his or her age, health or other high risk factors. There are no Mississippi health insurance laws that govern the amount a health insurance company can charge for a monthly premium, so even if an individual is accepted, he or she may be expected to pay extremely high Mississippi health insurance premiums. Mississippi health insurance companies base their premiums on the individual’s age, relative health and other factors that can deem him or her a high risk to the Mississippi health insurance company. Older Mississippi health insurance policyholders can expect to pay higher and higher premiums as they increase in age. Because there is no regulation of Mississippi health insurance prices, this can be quite stressful and sometimes unaffordable to aging and sick policyholders.

Mississippi health insurance companies are also required to automatically cover dependents in certain situations. Newborns and adopted children are guaranteed to be covered by Mississippi health insurance policies for the first thirty-one days. After this period, the Mississippi health insurance policyholder must fill out the required paperwork to officially cover the new child. Adding dependents to a Mississippi health insurance policy typically leads to increased premium rates. Mississippi health insurance companies are also required to cover disabled dependents past the age that regular dependents are no longer eligible for coverage. Mississippi health insurance policyholders must provide proof of disability, and they must show that they are the sole sources of support for the disabled dependents.

According to Mississippi health insurance law, a pre-existing condition is defined as any illness for which an individual received treatment during the year prior to obtaining the new Mississippi health insurance policy. Mississippi health insurance companies can impose an exclusion period during which they can refuse to pay claims relating to pre-existing conditions. Like in most states, Mississippi health insurance companies must pay for new claims relating to the pre-existing condition after the exclusionary period has expired.

Mississippi health insurance laws allow for insurance companies to include elimination rider clauses in their Mississippi health insurance policies. Elimination riders are clauses that state that the Mississippi health insurance company will never pay for the treatment a particular pre-existing condition. Mississippi health insurance can also state that they will not ever pay for claims relating to any pre-existing condition at all.

Mississippi health insurance companies are also required to offer temporary policies to individuals who have either lost their jobs or who are in between companies and do not have access to group Mississippi health insurance policies. This Mississippi health insurance law insures that all citizens have access to Mississippi health insurance. However, these temporary Mississippi health insurance policies are typically much more expensive than regular individual and group plans.

Individual Mississippi Health Insurance Rights

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