There are certain kinds of protections that you get to enjoy when going
for a group health insurance plan in Alabama. The Group Alabama Health
Insurance Plans are as always offered by the lobar unions or the
employers to their employees. However, the protection levels may vary on
the basis of the fact as to whether your plan is a completely insured
group health plan or a self insured Alabama Health Insurance Plan.
In general, being a resident of Alabama, if you want to be covered under
a group health plan it would be necessary for you to stand up to each of
the criteria necessary for fulfilment. For instance, it may be so that
your employer wont be giving health benefits to each of you, meaning all
the employees in his firm. Or else it may also be possible that the
employer offers an HMO plan for the all of you who work for him. But it
may be so that you are unable to join the HMO plan as you live in an area
that falls outside the service area of the plan.
But then one thing that you need to remember is that as an employee you
can at no point of time be charged extra or just turned away only because
you do not have an absolute health plan in place. The health status is
inclusive of all the genetic details, disabilities you may have along
with a full fledged medical history of your health system. This is a
particular protection that covers all employees and is appropriately
termed as the Non-discrimination coverage.
Often the employers may try to restrict the limit of the coverage or
even refuse to pay it for various reasons. Some of the most common
grounds on which he may refuse an Alabama Health Insurance for you are as
In case you work less than 30 hours every week
If you are just a temporary employee
On such grounds, the employer may refuse to grant a health care coverage
even if they are not directly related to the status of your health.
The good news is that any kind of discrimination on the basis of the
health status in case of group healthcare insurance is not permitted in
Alabama. It may be that the full time permanent employees are offered a
high option plan. But that does not mean that the rest of the employees
are completely overlooked. The companies are supposed to act accordingly
as that is how it is dictated by the Law of Alabama.
All employees are entitled to a special opportunity to sign up for
getting covered by a Group Healthcare plan in case they want to go that
way. They are entitled to a 30 day opportunity to get themselves enrolled
in the group health plans in case they need a bit of time to take care of
unavoidable circumstances that may occur. Finally, if you find that the
group healthcare plan you are enrolling for also offers to cover your
family, all those family members who are dependant on you might also go
for the plan as well.