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Vermont Health Insurance

Vermont is one of the healthiest states in the U.S., but that does not mean that you should consider going without Vermont health insurance. You simply must have Vermont health insurance if you want to protect your investments and/or avoid personal financial ruin through astronomical medical bills, which can happen to anyone at any time.

General Types of Vermont Health Insurance Plans

While you will want to tailor your Vermont health insurance plan to fit your specific needs, you should first understand the different types of general health insurance plans.

Group health insurance plans
Individual health insurance plans
Short-term health insurance plans
State health insurance plans (government assistance)
Student health insurance plans

Depending upon your situation, you will choose one the general types of policies. If you have trouble finding health insurance for whatever reason, you may want to look into the state health insurance plans. These are for those who qualify and are designed to help you get the health insurance that you need.

Options Available with Vermont Health Insurance Plans

Along with the standard covered health care services on most policies, there are additional options that you can add to your Vermont health insurance plan for more comprehensive coverage.

These options will add to the cost of the policy, but they will provide added protection. Here are some of the most common additions to health insurance coverage.

Chiropractic care
Dental care
Disability/rehab care
Long term care
Mental health care
Orthodontic care
Prescription coverage
Vision care

Some policies may include an amount of insurance that covers some of the above, or you can purchase the add-ons. In some cases, such as long term care insurance, you may have to purchase a separate policy. You should examine your situation to determine which, if any, of these additional coverage options may be appropriate for you and your family.

Free or Low Cost Vermont Health Insurance Programs

If you cannot find Vermont health insurance through a private insurer, you may be eligible for a state sponsored health insurance plan. Vermont offers assistance to those who meet the eligibility requirements in a variety of ways.

Green Mountain Care is the Vermont health insurance assistance program that offers assistance in the following ways.

Dr. Dynasaur: For pregnant women, teens and children and is open to even those who currently have a health insurance plan.

Catamount Health: Comprehensive health insurance for those that are uninsured. It is sponsored by MVP Health Care and Blue Cross Blue Shield and is available to those who are uninsured no matter your income level.

Medicaid: For seniors or those who meet specific disability requirements.

Prescription Assistance: A portion or all of prescription drugs are paid for if you meet specific requirements concerning age, income and/or disability.

Vermont Health Access Plan: If you do not qualify for Medicare or Medicaid, and do not have Vermont health insurance, you may be eligible for this insurance that covers a wide variety of health care services.

Premium Assistance: Will help to pay for premiums of your employee-sponsored health insurance if you meet the certain criteria.

You can contact the Vermont Department of Health to find out if you may qualify for any of these assistance programs.