Health Insurance Carriers in Vermont (VT)
Select a health insurance provider to learn more
about health insurance plan and provider options in Vermont. For
information on health insurance regulations in Vermont, check
out the bottom of the page.
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Health Insurance Providers in Vermont
Blue Cross and Blue Shield
of Vermont
Group Health Insurance in Vermont
- Those eligible for coverage cannot be refused
or charged more due to health problems.
- Life changes relating to family or unemployment may create
opportunities for group coverage.
- New employers may require a wait period for new employees.
- Civil partners of the insured may be included in group
coverage.
- The coverage of employees on medical or family leave is
guaranteed by Vermont law if it somehow eludes coverage by the
FMLA federal law.
- Group health insurers may review medical history for the
6 months prior to coverage.
- If the case of a pre-existing condition, providers may
require up to 12 months of exclusion.
- Although regulations depend on group coverage type, continuous
coverage maybe creditable toward an exclusion period.
Small Business Health Insurance in Vermont
- Small businesses with up to 50 employees
may not be denied small group health insurance and the policies
offered must be common health plans.
- Insurance may not be cancelled because of sickness in
the employee group,.
- The costs of premiums are community rated and guaranteed
for six months.
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Self-Employed Health Insurance in Vermont
- The self-employed may purchase small group
insurance.
- Contact the Vermont Department of Banking, Insurance,
Securities and Health Care Administration for regulations governing
professional or business associations which offer group insurance.
Department of Banking, Insurance, Securities &
Health Care Administration
89 Main Street
Drawer 20
Montpelier, VT 05620
www.bishca.state.vt.us
Individual Health Insurance in Vermont
- Individual health providers may not deny
insurance due to health problems and must offer family coverage
if requested.
- In the case of a pre-existing condition, providers may
not attach elimination riders but may require an exclusion period
of up to 12 months.
- Providers may review an applicant’s medical history
for the six months prior to coverage.
- If coverage has been maintained continuously without a
break longer than 63 days, the insured is entitled to creditable
coverage.
- Health problems are no basis for raising the cost of premiums.
- Providers may not raise the premiums of those with health
problems by more than 20% at renewal time.
- Insurance may not be cancelled because of sickness.
Vermont Health Care Programs
Medicaid and Ladies First offer assistance
to low income residents.
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