Alexandria VA Health Insurance

Reader’s Question:

What are my rights to be insured and how can I start getting my own health insurance in Alexandria, VA?

Sam

Alexandria, VA

 

Hi there Sam!

Your rights to be insured really depend on your current circumstances. For example, it you apply health insurance in Alexandria, VA through your employer, our federal law states that the health insurance company cannot deny you coverage because of a medical condition nor can it charge you more than what the other employees are being rated. With group health insurance coverage, application process would be simpler as compared to applying on your own for individual health insurance policy. If you are currently employed and you need to know your insurance rights, suggest you verify your rights from the US Department of Labor’s Employee Benefits Security Administrations hotline.

If you are self-employed you can start getting covered through applying on your own through an individual insurance coverage in Alexandria, VA. I will have to warn you that your application process might be more tedious and it might be harder to obtain individual health insurance coverage. It can be more expensive too and can be less consumer-friendly, although better than not having any coverage at all. You never want to get wiped out financially in case you get ill. You can start asking around first and try to shop around for individual policies from online quotes and independent health insurance agents. Be advised that health insurance agents need to have license to sell which are issued by the state.