Group Benefits~Individual Care

Individual Health Coverage

INDIVIDUAL ESSENTIAL HEALTH BENEFITS

  • Ambulatory Patient Services
  • ER Services
  • Hospitalization
  • Maternity and Newborn Care
  • Mental Health and Substance Use Disorder Services, including Behavioral Health Treatment
  • Prescription Drugs
  • Rehab Services
  • Lab Services
  • Preventative Wellness Services
  • Pediatric Services, including Oral and Vision Care

GUARANTEED ISSUE INDIVIDUAL MARKET (*Beginning January 1st, 2014 Individual NGF)
  • All Individual policies will be guaranteed issue with no pre-existing waiting period for all Under 65 individual products.
  • No declinations or exclusion riders.
  • One annual open enrollment period, otherwise off open enrollment for qualifying events only.
  • Rating will be based Community Rating, no Health Rating.
COMMUNITY RATINGS
  • Family Size
  • Geographic Location
  • Smoker Status (1:1.50 Ratio or 50% Rate-Up)
  • Age (3:1 Ratio) - No Rating for Health or Gender