If our policy covers minor children, it also covers newborn of dependents and also applies the same to adopted children as well. Special case with Massachusettss health insurance is that for our group health plan if certain changes happen to your family, then in addition to any regular enrollment period your employer or group health plan offers, we can get a special, 30-day opportunity to enroll in your group health plan after certain events. Under Massachusettss law, if one leaves job due to illness, or if we leave job because of illness to another member of our family, then we will get coverage for a limited period. According to Family and Medical Leave Act (FMLA) we can get up to three-month job protection. But FMLA applies in those companies where there are at least 50 employees.

According to Massachusettss law, female workers between 6 and 50 employees are eligible for eight weeks of leave for birth or adoption of a child under the age of three. They also can get a leave of twenty-four hours when there's need to participate in children's school activities as well. In group insurance plans, according to laws in Massachusettss coverage for pre existing conditions can only be excluded for a limited time, though time limit varies according to the type of insurance plans one has. If its fully insured group health plans, then maximum pre-existing conditions exclusion period is 6 months. If its a self insured health plan then we can get 12 month exclusion period. If you are a late enroller in a self-insured health plan then you can get one and a half year exclusion period.

In case you don't have access to group insurance sponsored by employer, you can opt for individual health insurance from private insurer. Massachusetts State got extensive insurance reforms, which guarantees its residence access to this sort of private insurance. Also that in Massachusetts, one's abilities to get individual health insurance does not depend on his or her health status. Massachusettss law states that all individual insurers provide standardized policies to its consumers. One may choose either medical plans or managed care plans. It depends on whether one prefers comprehensive coverage, which consists of hospital and physician care, preventive care, drug prescription etc.

Generally speaking a health insurance is a legally binding contract between insurer and the person who opted for a policy. Insurer has to pay for medical expenses, whenever insured isn't well or if he or she meets tragedies like accidents or any other health ailments. There are many advantages of having this insurance in our life. Before we opt for a policy we need to understand our medical history and let know the same to the company about it. Company will help us in choosing a policy that suits us better, according to our health status report. We must not forget, even though premiums are hefty at times, they are all part and parcel of our daily expenses, giving huge fillip to our confidence levels.

According to Massachusettss nondiscrimination law, health insurance coverage cannot be limited or denied, nor residents have to pay more depending on his or her health status. So it goes well when all insurance plans in Massachusettss limit exclusion of pre existing conditions. Whenever policyholder gets sick, he or she need not worry about cancellation of coverage. This is possible as long as we pay premiums and also live within the state.

According to guaranteed issue of Massachusettss health insurance law, one can't turn down an employer from a group health plan, on the grounds of health status, age etc that predicts the use of health services of all others in the same group. Another unique feature is that it offers free health policy for pregnant women, families with children, elders, people with disabilities or those with low in comes. In fact one with very low income, has rights for free health coverage not just for him or her but for all family members also.

If one is under thirty years, and still covered under group plans to dependents, then instead of going for individual health insurance he or she have option to get coverage under their father or mother's plans. Also adopted children come into parents individual health insurance for close to a month. After a month's stipulation period parent has to enroll them as dependents though.

With rapid change in standards in every walk of life, expenses for medical treatment are also on steep rise. This has to happen as better treatment always demands more cost. One who can't afford higher costs of medical treatment; tend to go for cheap treatment, which may land them in more trouble. So it's better for residents of this category of people to opt for health insurance in the state of Massachusetts, without which they will suffer in the long run. It's also important they understand benefits of having insurance.

Finally sound health is an indispensable feature of every our life as well as those who depend on us. No targets and success can be achieved if we are physically unwell. In order to safeguard this central aspect of our life, health insurance is the need of the hour. We cant predict when our health deteriorates, but we can at least make sure there's a proper way to minimize the damage whenever we are down. This is same for every person, which is why we all need to have proper health insurance policy in Massachusetts.