Mississippi Health Insurance
Mississippi has fewer health insurance regulations than most states. Still, it's important to familiarize yourself with them, so you're more confident, knowledgable and wise in your health insurance purchase.
Describes Mississippi health insurance policy regulations
Lists rules Mississippi health insurance companies must follow
Health insurance policies are regulated by each state's own health insurance laws. Mississippi health insurance companies and policyholders alike must, of course, abide by the established insurance laws.
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Mississippi health insurance policy provisions
Some of the most important Mississippi health insurance laws are the ones that influence the health insurance policy itself.
Mississippi health insurance policies have many policy provisions and a few crucial policy provision controls required by the state. Many of these required provisions are designed to protect you, the policyholder.
First, your Mississippi health insurance policy is guaranteed renewable, as long as you have not provided any false information on your application and have paid your premiums on time. This provision is aptly named the "guaranteed renewability" provision and is a required part of all health insurance in Mississippi.
Another required provision addresses health insurance coverage for newborns and adopted children. Mississippi health insurance policies that already provide coverage for dependents automatically cover newborns and adopted children for a minimum of 31 days. After this period of time, your policy must be adjusted to reflect the change in your family size.
In a related vein, handicapped dependents are still covered under a parent's individual Mississippi health insurance plan, even if they are over the age limit.
Finally, in Mississippi, health insurance companies can only impose an exclusion period for pre-existing conditions for 12 months. After this time has passed, the policy must cover the pre-existing condition.
The definition of a pre-existing condition varies from state to state. According to Mississippi health insurance laws, it refers to a condition you received medical treatment for, or were diagnosed with, in the 12 months prior to the beginning of the plan.
However, Mississippi health insurance companies are allowed to include elimination riders in their policies, which permanently exclude coverage for specific conditions.
Regulating Mississippi health insurance companies
Mississippi health insurance laws do not enforce strict price regulations on their insurance companies. It is important that you understand the following freedoms and restrictions of Mississippi health insurance companies.
For one, Mississippi health insurance companies can not cancel your health coverage or refuse you renewal of your policy on the grounds of illness.
Different factors affect the cost and availability of health insurance. In Mississippi, health insurance companies can use your health and age in deciding whether or not they want to offer you a policy and what it will cost.
The cost of Mississippi health insurance is NOT regulated by state insurance laws. This means you may be subjected to a steep increase in premiums as you grow older or your health declines.
Temporary Mississippi health insurance
Temporary health insurance should be acquired when you have a break in your major health insurance coverage. Temporary health insurance is available from some insurance companies in Mississippi.
More MS health insurance help
If you want more help getting a good health insurance policy, read our guide to health insurance.
Also see the guide to Mississippi small business health insurance.
To find out more about MS health insurance laws and regulations, visit the official website of the Mississippi Department of Insurance.