Health Insurance News in Alabama
Buying Individual Insurance Policies in Alabama
State regulation of individual health insurance differs greatly from state to state. For you, this means certain conditions or providers covered in one state may not be covered in another.
Each state has its own health insurance mandates. Those mandates require that insurance companies and health plans cover, or offer coverage for, certain conditions, benefits, providers and patient populations.
Here is a list of mandated and non-mandated conditions, covered persons and providers in Alabama:
(Source: Health Insurance Mandates in the States 2008¹, Council for Affordable Health Insurance. Last updated Jan 2008.)
| Mandated (Covered) Conditions |
Non-Mandated Conditions |
|
- Alcoholism
- Breast Reconstruction
- Colorectal Cancer Screening
- Drug Abuse Treatment
- Mammogram
- Maternity Stay
- Mental Health General
- Mental Health Parity
- Off-Label Drug Use
- Prostate Cancer Screening
|
|
|
- Alzheimer's
- Ambulatory Surgery
- Ambulance Services
- Anti-Psychotic Drugs
- Autism
- Birthing Centers/Midwives
- Blood Lead Poisoning
- Blood Products
- Bone Marrow Transplants
- Bone Mass Measurements
- Cancer Medications
- Cervical cancer/HPV Screening
- Chemotherapy
- Chlamydia
- Cleft Palate
- Clinical Trials
- Congenital Bleeding Disorders
- Contraceptives
- Dental Anesthesia
- Diabetes Self Management
- Diabetic Supplies
- Early Intervention Services
- Emergency Services
- Habilitative Services
- Hair Prostheses
- Hearing Aid
- Home Health Care
- Hospice Care
- HPV Vaccine
- In Vitro Fertilization
- Kidney Disease
- Long Term Care
- Lyme Disease
- Mastectomy
- Mastectomy Stay
- Maternity
- Minimum Hysterectomy Stay
- Minimum Testicular Cancer Stays
- Morbid Obesity Treatment
- Neurodevelopment Therapy
- Newborn Hearing Screening
- Newborn Sickle-Cell Testing
- Orthotics/Prosthetics
- Ostomy Related Supplies
- Other Infertility Services
- Ovarian Cancer Screening
- PKU/Formula
- Port-wine Stain Elimination
- Prescription Drugs
- Psychotic Drugs
- Rehabilitation Services
- Second Surgical Opinion
- Smoking Cessation
- TMJ Disorders
- Well-Child Care
|
|
| Mandated Covered Persons |
Non-Mandated Covered Persons |
|
|
|
- Adopted Children
- Continuation/Dependents
- Continuation/Employees
- Conversion to Non-Group
- Dependent Students
- Grandchildren
- Handicapped Dependents
- Non-Custodial Children
- Domestic Partners
|
|
| Mandated (Included) Providers |
Non-Mandated Providers |
|
- Chiropractors
- Dentists
- Nurse Anesthetists
- Optometrists
- Pharmacists
- Physician Assistants
- Podiatrists
- Psychologists
|
|
|
- Acupuncturists
- Chiropodist
- Denturists
- Dieticians
- First Nurse Assistant
- Lay Midwives
- Licensed Health Professional
- Marriage Therapists
- Massage Therapists
- Naturopaths
- Nurse Midwives
- Nurse Practitioners
- Nurses
- Occupational Therapists
- Opticians
- Osteopaths
- Oral Surgeons
- Pain Management Specialist
- Pastoral Counselor
- Physical Therapists
- Professional Counselors
- Psychiatric Nurse
- Public or Other Facilities
- Social Workers
- Speech or Hearing Therapists
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Although health insurance coverage for a particular condition or provider may not be mandated in your state, insurance carriers may still provide coverage for the condition or provider. Please keep in mind that major medical health insurance plans are subject to health underwriting and that mandates do not necessarily guarantee coverage. If you're not sure whether you could receive coverage, one call to Health Benefits Direct can help you determine if you're eligible to buy an individual health insurance policy in Alabama.
Health Benefits Direct provides free health insurance quotes on affordable health insurance plans for Alabama residents. We work with highly rated insurance carriers to deliver quality health insurance plans to families and individuals across Alabama.
¹Authors: Victoria Craig Bunce & JP Wieske
Please note that information contained on this page can change at any time. Consequently, while we seek to present as up-to-date information as possible, Health Benefits Direct in no way warrants the accuracy of the information.
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