We have received many complaints from AOL users who have attempted to download materials from our gopher server, but there is little we can do at this time. The laws state that any insurance entity selling medical insurance in the state must sell standard health benefit packages to these two groups on an open enrollment, community rated basis. For those with pre-existing medical conditions the insurance plans have a one year waiting period but coverage cannot be denied. If a person with a pre-existing condition has had continuous coverage with any medical insurance for at least one year immediately prior to being covered by these plans, the waiting period is waived. The new coverage must begin within 30 days of the termination of the previous coverage.
Insurers can charge what they want for the plans within certain restrictions.
Just because the plans are standardized does not mean that they are identical. Because they are written from the same template the differences are easy to spot when the contracts are laid side by side. Consider them carefully. Our decision took three months. I started by deciding which plans offered the best coverage considering our Lyme.