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Where You Live May Influence Cost of Healthcare Premiums

According to a report from Health Day, where you live may influence the cost of your healthcare premium. If you've been stricken with a severe health condition that will require extensive time off from work while you undergo treatment and recovery, then you could be eligible to receive long-term disability benefits.

Premiums range from about $200, all the way up to $400. In 2010, the average monthly premium payment for an individual in the United States was $215; however, the Kaiser Family Foundation found that in states like Massachusetts and Vermont, premiums were as high as $400.

These states are said to have already begun insurance market reforms, which now allows individuals with pre-existing conditions to purchase insurance coverage. It won't be until 2014 that insurers will be prevented from charging higher premiums to those with pre-existing conditions.

Reasons of Different Healthcare Premium Costs

Discrepancies for the difference in premiums across states are found to be caused by the following: 

• healthcare costs;
• cost of living;
• demographics;
• cost-sharing structure;
• control of costs; and
• regulatory requirements.

Individual insurance plans tend to have higher cost-sharing and greater limitations in benefits.

If you need assistance in filing your claim or appealing a claim that has been denied, then you should speak immediately with an Atlanta long-term disability lawyer.

Long-term disability benefits may be available to those who have purchased a disability plan from a private insurer or have coverage through an employer. Unfortunately, the insurers don't make it easy for the disabled to get access to the benefits they deserve.

When a severe medical condition makes it impossible for you to work and you've been denied your long-term disability benefits, an attorney from LaVan & Neidenberg, P.A. can help you to cut through the red tape and fight for your benefits, no matter where you live in the U.S! Contact a South Florida disability attorney today - 1-888-234-5758.