Pivot Health Products Available in Alabama
Residents of Alabama are now able to choose quality health insurance coverage plans from Pivot Health. These plans offer Alabama individuals and families the ability to select the benefit structure that best meets their insurance coverage needs and budget, as described below.
- Short Term Health Insurance – Also known as short term medical, or temporary health insurance, this plan provides comprehensive benefits coverage for physician visits, in-hospital care, urgent care facility visits and much more. With no network restrictions, this plan enables insureds to seek treatment from any doctor or hospital to access benefits. You’ll know within minutes of applying if you’ve been approved for coverage, thanks to Pivot Health’s user-friendly online application process. Qualified applicants choose a coverage start date – which can be as soon as 24 hours from application.
- Supplemental Insurance Coverage – Are high deductibles or costly coinsurance rates a financial concern for you? The cash benefits provided by a supplemental coverage plan help you pay out-of-pocket medical expenses, such as insurance deductibles, copayments or coinsurance. Cash benefits may be used toward any other expenses you incur due to a serious illness or accident. Designed to work with – or supplement – your individual or employer-sponsored health care coverage, this plan can provide you much-needed financial support.
Pivot Health membership packages also provide you many extra non-insurance benefits, such as:
- Unlimited access to discounted telehealth doctor consultations.
- Your time is precious. Skip the waiting room and connect directly with a doctor at whatever time of day it works for you – telehealth is available 24/7. And at $49 per consultation, the cost is lower than a standard office or urgent care facility visit.
- Discounts on eye care and eyewear.
- Save up to 15 percent to 40 percent on eye exams, eyeglass lenses, frames for eyeglasses and contact lenses. It’s never been so affordable to maintain good eye health.
- Valuable savings on prescription drugs.
- With the cost of prescription medications continuing to skyrocket, savings of up to 75 percent on prescription drugs at thousands of pharmacies across the nation provides you budget relief.
Health Care Coverage Challenges in Alabama
A recent County Health Rankings report shows that approximately 16 percent of Alabamians under age 65 have no health insurance, much higher than the average national uninsured rate of 9.1 percent. Uninsured rates vary by county: Shelby and Elmore Counties report a 12 percent uninsured rate, while DeKalb County’s rate is almost double that at 23 percent.
Further Alabama health insurance issues relate to exchange plan choices. Humana and UnitedHealthcare exited the Alabama exchange market at the end of 2016, resulting in thousands of residents scrambling to switch plans. For all Alabama residents who choose to purchase coverage through the health insurance exchange, there is now only one insurer choice – Blue Cross Blue Shield of Alabama.
For 2017, Blue Cross Blue Shield of Alabama requested a 39.3 percent increase in premium rates, but ultimately the company was granted a 36.1 percent adjustment by the Alabama Department of Insurance. More than 90 percent of exchange enrollees in Alabama receive subsidy assistance to help compensate for the rising premium rates. However, for the nearly 10 percent of Alabamians without premium assistance, or for Alabama residents who purchase Affordable Care Act-compliant plans off the exchange, that is a staggering rate increase.
A high rate of uninsured residents, rising health insurance premium rates, and only one insurance provider offering exchange plans, all underscore the importance of providing Alabamians with a broader range of health insurance options.
Pivot Health offers insurance plans that may help meet the needs and budgets of Alabamians.
- Pivot Health’s short term health insurance provides Alabama residents the opportunity to purchase comprehensive coverage at a fraction of the cost of major medical insurance coverage – with no provider network restrictions.
- Pivot Health’s supplemental health insurance offers Alabamians cash benefits designed to provide financial protection against the coverage gaps of high deductible major medical insurance plans. Also called “gap” insurance, this type of supplemental plan helps insureds pay for high deductibles, out-of-pocket costs, coinsurance, copayments, and other expenses that they typically incur before their high deductible major medical plans begin to pay benefits.
A Report on Alabama’s Well-Being
A recent Gallup-Healthways State of American Well-Being report examined how well-being varies by state. Alabama ranked 44th out of the 50 states, based on survey responses to questions covering different categories of well-being.
Economic pressures of rising premium and health care costs appear to correspond with one of the state’s lowest category rankings. Overall, residents in Alabama reported poor scores (ranked 43rd, 46th and 47th respectively) for:
- having supportive relations and love in your life
- having good health and enough energy to get things done on a daily basis, as well as liking what you do each day and being motivated to achieve goals
- managing your economic life to reduce stress and increase security
On the other hand, Alabamians reported more positive results for the following categories, resulting in rankings of 28th for both categories:
- liking what you do each day and being motivated to achieve goals
- liking where you live, feeling safe and having pride in your community
The State of Health in Alabama
The 2017 Commonwealth Fund’s Scorecard on State Health System Performance gave Alabama an overall ranking of 47 out of 51 (the 50 states plus the District of Columbia). This is the most recent version of the organization’s scorecard of its comparison for states in the U.S. The Commonwealth Fund’s Scorecard rated Alabama in several areas, including:
- Uninsured adults aged 19 to 64: 37th ranking (16 percent in Alabama, compared to the U.S. average of 13 percent)
- Uninsured children ages 0 to 18: 3rd ranking (3 percent, compared to the U.S. average of 5 percent)
- Adults who went without care because of cost in the previous year: 48th ranking (17 percent in Alabama, compared to the U.S. average of 13 percent)
- Individuals under age 65 with high out-of-pocket costs relative to annual household income: 41st ranking (17 percent, compared to the U.S. average of 14 percent)
- At-risk adults who did not have a routine doctor visit in the previous two years: 19th ranking (12 percent in Alabama, compared to U.S. average of 13 percent)
- Adults that did not visit a dentist in the previous year: 41st ranking (18 percent, compared to U.S. average of 16 percent)
- Adults with age- and gender-appropriate cancer screenings: 28th ranking (67 percent in Alabama, compared to the U.S. average of 68 percent)
- Hospitalized people who said the hospital staff managed pain well, were responsive to calls for help and who explained medications and their side effects: 18th ranking (69 percent, compared to U.S. average of 68 percent)
- Breast cancer deaths per 100,000 females: 27th ranking (20.9 in Alabama, compared to U.S. average of 20.6)
- Colorectal cancer deaths per 100,000 people: 36th ranking (15.5 percent, compared to the U.S. average of 14.3 percent)
- Suicide deaths per 100,000: 28th ranking (14.5 percent in Alabama, compared to U.S. average of 13 percent)
- Adults who report fair or poor health or activity limitations: 48th ranking (32 percent, compared to the U.S. average of 26 percent)
- Adults who smoke: 40th ranking (21 percent in Alabama, compared to the U.S. average of 17 percent)
- Adults who are obese: 48th ranking (37 percent, compared to the U.S. average of 29 percent)
- Children (ages 10-17) who are overweight or obese: 42nd ranking (35 percent in Alabama, compared to the U.S. average of 31 percent)
- Percent of adults who have lost 6 or more teeth due to decay or disease: 47th ranking (17 percent, compared to U.S. average of 10 percent)
Alabama’s ranking of 47th in the 2017 Commonwealth Fund Scorecard is the same as the state’s ranking in the 2015 Commonwealth Fund’s Scorecard. However, there were a few areas in which Alabama’s rankings were higher than the national averages:
- Children who received medical and dental preventive care visits in the past year
- Home health patients whose wounds improved or healed after an operation
2017 Health Insurance Plans in Alabama
Blue Cross Blue Shield of Alabama is the only insurance carrier offering health insurance plans on the federally-facilitated exchange that operates in Alabama.
Pivot Health offers in Alabama
- Short term health insurance
- Supplemental health insurance
Medicaid Enrollment in Alabama
Alabama is one of 19 states that have chosen not to expand Medicaid under the terms of the Affordable Care Act. A recent Kaiser Family Foundation study reported that there are approximately 126,000 Alabamians in the Medicaid “coverage gap.” These residents have income too high to qualify for traditional Medicaid benefits, yet their income is too low to qualify for subsidies to help pay for insurance plans purchased on the exchange.
Your Health Care Coverage Choices
With a higher rate of uninsured residents than many other states, Alabama has a significant number of uninsured and underinsured people in the state.
If you’re an Alabama resident without health care coverage, Pivot Health’s short term health insurance provides you comprehensive medical benefits that may meet your benefit and budget needs.
If you live in Alabama and have a high deductible health insurance plan, Pivot Health’s supplemental insurance can help you pay for costly out-of-pocket expenses, such as deductibles, coinsurance, copayments and more, before your high deductible plan starts paying benefits.
Pivot Health: offering you choices and flexibility that pivot to meet your needs over time.