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Aloha, Health Insurance shoppers! The state of Hawaii only has a couple of affordable healthcare options. Hawaii also has something called, "Risk pools" which are state-sponsored programs to help people with a history of medical problems in their family to purchase coverage. These Hawaiian risk pools are for people who can afford to buy health insurance, but are not able to get underwritten in the private market because of a pre-existing health condition. We can help you through the process.
These insurance risk programs can vary significantly in price, benefits and number of people served. Often insurance companies doing business in the state are required to contribute to the poolto keep it in the black. In the best cases they allow people to be able to switch jobs or become self-employed without the fear of losing their health insurance coverage.
Are you medically uninsurable?
An option for the medically uninsurable is a guaranteed-issue mini-med health insurance plan. There is no underwriting and no health questions are asked. These plans provide basic coverage but are not designed to help with catastrophic expenses. They can often count as creditable coverage, eliminating the waiting period for pre-existing conditions if you later move to an employer-based plan.
Here are a few locations for insurance in Hawaii.
Morgan Moran Hawaii Health Insurance -- (800) 554-9142
Kaiser Permanente - Kaiser Honolulu -- 711 Kapiolani Blvd, Honolulu, HI - (808) 432-5955
Or on Lanai City, HI - call (800) 966-5955
Health Insurance Tip #011 Health Insurance Terms
Health insurance has a great deal of legal terminology. Insurance definitions can sometimes cause confusion. It is a good idea to study up on your health insurance definitions before you buy a policy. You must understand all terminology so you feel comfortable in making the purchase of your health plan. Please read below for some commonly used health insurance terms.
Aloha, Health Insurance shoppers! The state of Hawaii only has a couple of affordable healthcare options. Hawaii also has something called, "Risk pools" which are state-sponsored programs to help people with a history of medical problems in their family to purchase coverage. These Hawaiian risk pools are for people who can afford to buy health insurance, but are not able to get underwritten in the private market because of a pre-existing health condition. We can help you through the process.
These insurance risk programs can vary significantly in price, benefits and number of people served. Often insurance companies doing business in the state are required to contribute to the poolto keep it in the black. In the best cases they allow people to be able to switch jobs or become self-employed without the fear of losing their health insurance coverage.
Are you medically uninsurable?
An option for the medically uninsurable is a guaranteed-issue mini-med health insurance plan. There is no underwriting and no health questions are asked. These plans provide basic coverage but are not designed to help with catastrophic expenses. They can often count as creditable coverage, eliminating the waiting period for pre-existing conditions if you later move to an employer-based plan.
Here are a few locations for insurance in Hawaii.
Morgan Moran Hawaii Health Insurance -- (800) 554-9142
Kaiser Permanente - Kaiser Honolulu -- 711 Kapiolani Blvd, Honolulu, HI - (808) 432-5955
Or on Lanai City, HI - call (800) 966-5955
Health Insurance Tip #011 Health Insurance Terms
Health insurance has a great deal of legal terminology. Insurance definitions can sometimes cause confusion. It is a good idea to study up on your health insurance definitions before you buy a policy. You must understand all terminology so you feel comfortable in making the purchase of your health plan. Please read below for some commonly used health insurance terms.
Broker : A health insurance broker is a licenses representative who sells or services insurance contracts. Insurance brokers offer a wide variety of products and are completely FREE for consumers to use. Be sure your agent offers a large variety of plans.
Backdating : This process refers to placing an effective date of a health insurance policy to a date prior than the initial application date. Not a common practice in today’s modern insurance world, but understanding that backdating was coming used to make the insurance age lower than it actually is to receive a better health insurance premium.
Dependant : Is an individual other than the primary plan subscriber who is eligible to obtain health care benefits under the primary applications insurance contract.
Medical Information Bureau (MIB) : This is a report of medical information that is used to view a health insurance applicant’s prior medical history. Consumers that apply for a medical insurance plan must sign a waiver allowing the health insurance company to view his medical history.
