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Vermont Health Insurance

Vermont health insurance provides you and your family protection in case of accident or illness. And InsureMe makes finding that protection easy! We put you in touch with top Vermont health insurers, who are waiting to answer your questions and put together the right Vermont health insurance plan to suit your needs.

Let InsureMe get you up to five Vermont health insurance quotes…for free! Contact us today.


Vermont Health Insurance Information

What is health insurance?

Generally, when people refer to “health insurance,” they mean comprehensive medical insurance, which helps keep you healthy or restore you to health if you become ill. Health insurance is, in effect, financial protection against illness.

How can I get it?

There are two basic ways to get Vermont health insurance: through your employer, as part of your benefits package, or through an individual policy sold by a Vermont health insurance company.

How does it work?

When you buy a Vermont health insurance policy, the insurance company agrees to pay certain expenses detailed in your policy in exchange for a “premium” payment. You pay your premiums on a monthly, quarterly or annual basis, and these amounts stay the same for a set period of time, usually a year.

What kind of health insurance is available?

The most common types of Vermont health insurance include:

  • Indemnity, or “traditional” health insurance plans
  • Health Maintenance Organizations (HMOs), or “managed care” plans
  • Preferred Provider Organizations (PPOs)
  • Point-of-Service plans
  • Medical Savings Accounts (MSAs)

Each type of health insurance plan contains its own procedures, medical providers, co-payments and deductibles. Ask a licensed Vermont health insurance agent to explain these options to you further so you can make the best decision possible regarding your Vermont health insurance purchase.

What kinds of things does health insurance cover?

Depending on which type of plan you choose, your Vermont health insurance policy may or may not cover certain medical procedures. Typically, only medically necessary services are covered, but some health plans cover more procedures than others. Make sure you understand what your Vermont health insurance plan does and does not cover before settling on what you think is the right policy for you.

In general, covered services should include:

  • Inpatient hospital care
  • Routine medical services such as doctor’s visits, lab services, emergency care, and diagnostic procedures like X-Rays
  • Mental health and substance abuse services
  • Some types of chemotherapy treatment
  • Coverage for disabled children and newborns
  • Diabetes education and treatment
  • Mammograms
  • Maternity care

What kind of special protections does the state provide to make sure I get and keep the health coverage I need?

You are guaranteed the following Vermont health insurance protections by law:

  1. “Guaranteed issue”: ensures that you cannot be turned down for individual Vermont health insurance because of your age or health status. Furthermore, if your employer offers a group plan, you cannot be denied or limited coverage for either of these same reasons.
  2. “Guaranteed renewable”: when your policy expires, your Vermont health insurance provider may not cancel your small group or individual health insurance coverage due to illness, as long as you pay your premiums on time.
  3. “Community rating”: your Vermont health insurance company must offer you single, two-person and family coverage; and your premiums must be priced about the same as anyone else buying the same type of policy.

What does my Vermont health insurance company require of me?

You must fill out all health insurance applications fully and accurately; pay your premiums when they are due; review your Vermont health insurance policy and return it to the insurer within 10 days if you decide to cancel it; and follow your Vermont health insurance plan requirements for obtaining care when needed.

How can I get the Vermont health insurance I need?

Let InsureMe help you find competing Vermont health insurance companies willing to work for your business. Then you compare, choose the right plan and save…it’s just that easy!

Get going…the protection you need is only a few minutes away!


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