Millions of Americans with disabilities and health problems rely on a combination of mobile insurance and traditional coverage to help pay for essential necessities like rent, groceries and health care.
In fact, some states have taken the opposite approach to allow consumers to purchase combined coverage without relying on individual policies.
Here’s what you need know.
The basics:A single mobile-only policy is not required, and combined coverage is not a requirement.
You can still use a single mobile policy to buy insurance, but you’ll have to use separate coverage from your other coverage, such as a single medical policy, if you have a chronic condition.
If you qualify for coverage through your employer or employer-sponsored plan, you can combine coverage to receive the same premium as your individual policy, or use the same policy for both health care and medical expenses.
If your mobile insurance policy expires, you will be able to buy another mobile-specific policy from your employer, but this policy won’t be a combined insurance plan.
Combined insurance is more expensive than individual policies, but it’s less expensive than a mobile-focused plan.
Your policy will cover your medical expenses and will cover a limited number of essential services, including prescriptions, tests, and surgery.
You’ll pay the same premiums as a mobile plan if you’re eligible for the individual market or if you qualify under the Affordable Care Act.
If you’re not eligible, you’ll be able buy a mobile policy with a higher deductible.
A mobile-oriented plan covers all your essential health care needs, including prescription drugs, physical exams, hospitalizations, prescription drugs and procedures, and outpatient services.
The deductible for a mobile health plan is set by your employer and varies based on your income.
A single mobile plan is deductible for $2,000 per year, while a mobile home policy can deduct up to $7,000.
If your employer offers other plans, such the health insurance offered by a mutual fund, you may be able find out more about your deductible by contacting your employer.
The coverage you receive from your mobile health policy depends on where you live.
Most policies cover your coverage at a single point of entry, but some offer coverage for multiple locations.
A few states also have mobile-based policies, such in Alaska and Washington.
For more information about mobile health insurance, see What is mobile insurance?
A combination of health insurance and mobile insurance is typically available in most states, but in some, it’s not.
Many states have no mobile-exclusive plans, and others have no combination coverage.
For more information on health insurance coverage, visit Health insurance coverage for Americans with Disabilities and health insurance plans for seniors and people with disabilities.