North Dakota Health Insurance Policy Guidelines

North Dakota health insurance companies offer two different types of policies. There individual and group North Dakota health insurance policies. To qualify for a group North Dakota health insurance plan, an individual must work for an employer who offers benefits to his or her employees. In contrast to group qualifications, any person can apply for an individual North Dakota health insurance plan.

In North Dakota health insurance law, North Dakota health insurance companies can deny any individual’s application for insurance based on health, age or other factors used to determine risk to the North Dakota health insurance company. Group North Dakota health insurance plans, on the other hand, must accept any individual who qualifies for the program through his or her employer. Group North Dakota health insurance companies cannot deny an individual a policy based on his or her health or other risk factors.

For individual North Dakota health insurance applicants who have been denied coverage, there is a program called the Comprehensive Health Association of North Dakota that is devoted to supplying high-risk individuals with North Dakota health insurance. This program is available for individuals who have been denied coverage by at least one North Dakota health insurance company due to illness, or to those who have only been offered policies that exclude their pre-existing conditions. There are several illnesses that guarantee an applicant a place in the Comprehensive Health Association of North Dakota high-risk pool. These include AIDS, cancer and a list of other terminal illnesses that often make it impossible for individuals to obtain regular individual North Dakota health insurance.

Both group and individual North Dakota health insurance policies can impose exclusion periods during which they will not cover claims relating to pre-existing conditions. With individual North Dakota health insurance policies, these exclusion periods are limited to twelve months. However, North Dakota health insurance companies that provide individual policies can put elimination riders in their contracts. Elimination riders remove any obligation by the North Dakota health insurance company to pay for listed pre-existing condition claims for the entire life of the North Dakota health insurance policy. Group North Dakota health insurance providers are also limited to twelve-month exclusion periods, but they are not allowed to impose elimination riders. Both group and individual North Dakota health insurance plans define pre-existing conditions as illnesses that have been diagnosed and or treated within the six months preceding the initiation of the new North Dakota health insurance policy.

Individual and group North Dakota health insurance policies have the same regulations regarding newborns and adopted children. North Dakota health insurance companies are required to provide coverage under the parent’s policy for the first thirty-one days. After than period, the dependent coverage ends unless the North Dakota health insurance policyholder has turned in the appropriate paperwork to register the new dependent with the policy.

Group North Dakota health insurance is typically much cheaper than individual insurance because an individual’s premium is not allowed to be based on health status with group North Dakota health insurance plans. Because of this, it is much more affordable to obtain a group North Dakota health insurance plan through a place of work than it is to purchase one on your own.

North Dakota Health Insurance Policy Guidelines

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