Alabama Health Insurance
Consumer Rights under AL State Law
If you are looking for health insurance in the state
of Alabama, here is some information you should know beforehand.
This information is designed you help you avoid being
mistreated by private insurance companies.
Legal Reasons for Coverage Denial
Under Alabama state law an insurer has the right to deny
coverage to an individual on following basis:
- Pre-existing health conditions
- Current health conditions
If the insurer chooses to give you coverage in light
of your condition it might have some restrictions.
Alabama state law does not require insurers to
offer standardized policies. Your coverage will be based
on what services you choose.
An insurer is not obligated to provide coverage for pre-existing
conditions. They can go as far back as 5 years of the
medical history in order to determine if a conditions
By Alabama state law, an insurer can not cancel
your insurance policy on the basis of your health condition
or age. However, an insurer can raise your premiums as
a result of these and other changes.
Always check with your
health insurance company on latest policies. These types
of policies rarely ever change (but can), and they are
very similar from state to state. So, we have tried to
highlight the differences, where applicable.
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