Massachusetts Medical
Got Burning Questions about
Massachusetts Medical Insurance?
We’ve got answers.
Am I
required to have health insurance?
Yes. Recently Massachusetts became
the first state to require coverage for all of its citizens. The deadline for
obtaining health insurance is July 2007.
What’s the best place for
information?
Hands down, it’s the Massachusetts State Department of
Insurance, which can be found at www.state.ma.us/doi. The Insurance Information
Institute, www.iii.org, is a good place for general inquires about health
insurance not specific to Massachusetts.
What if I need help finding
affordable private insurance?
The Commonwealth Health Insurance
Connector connects qualified Massachusetts residents with affordable health
insurance if they don’t already have it.
What if I can’t afford
private insurance?
If you have a low or modest income, you and your
family may be eligible for free or subsidized health insurance through
MassHealth. MassHealth programs offer discounted coverage for expectant mothers,
families, children, small businesses, people who are HIV positive, as well as
elderly and disabled individuals.
What if I leave my job?
If
you leave your job, it is possible to remain on your old group plan for a
limited time. This is called COBRA or state-continued coverage. State-continued
coverage can help you while you shop for a new health insurance policy or wait
for a new one to start.
How can I save money?
If possible, buy
group health insurance. If your employer doesn't offer health insurance, look to
other groups and clubs you belong to, as they are also eligible to purchase a
small group policy.
Consider any extras than can be taken out for a lower
premium. Coverage areas like vision, dental and mental health can usually be
removed if necessary.
Buy early. Remember, in Massachusetts health
insurance policies are guaranteed renewable, so buying your policy now—even if
you are healthy—is a surefire way to make sure you are covered later, when you
might not be enjoying good health.
