HIPIOWA Information
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Iowa Comprehensive Plans
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Please contact an agent with questions or for assistance in completing an application.

HIPIOWA is designed for Iowa residents with pre-existing health conditions that prevent them from obtaining health insurance coverage through an insurance company.  You may also qualify for the HIPIOWA program if an insurance company issues an exclusion amendment rider excluding a specific pre-existing conditon.


High Risk pools - affordable health insurance
for medically uninsurable individuals

 High-risk health insurance plans "risk pools" have become an important safety net for individuals who are denied health insurance because of a medical condition.  More than 250,000 enrollees in the 30 states which operate risk pools have been provided with comprehensive insurance protection since the first pools were started in 1976. Risk pools provide a vehicle for individuals who, because of their physical condition, are unable to purchase heath insurance at any price.

A risk pool is a state-created, nonprofit association that -- in most states -- does not require tax dollars for its operational purposes.

If you are seeking health insurance coverage in the state of Iowa and are uninsurable or have pre-existing health conditions that could result in a decline, rate up, or exclusion rider such as:

Acquired Immune Deficiency Syndrome (AIDS), Angina Pectoris, Arteriosclerosis Obliterans, Artificial Heart Valve, Ascite, Cardiomyopathy, Chemical Dependency, Cirrhosis of the Liver, Coronary Insufficiency, Coronary Occlusion, Cystic Fibrosis, Dermatomyositis, Friedrich's Disease, Huntington's Disease, Hydrocephalus, Intermittent Claudication, Juvenile Diabetes, Kidney Failure requiring dialysis, Lead Poisoning with Cerebral Involvement, Leukemia, Lupus,  Malignant Tumor (if treated or has occurred within last four years), Metastatic Cancer, Motor or Sensory Aphasia, Multiple or Disseminated Sclerosis, Muscular Atrophy or Dystrophy, Myasthenia Gravis, Myotonia, Open Heart Surgery, Paraplegia or Quadriplegia, Parkinson's Disease  Peripheral Arteriosclerosis (if treatment within last three years), Polyarteritis (periarteritis nodosa), Postero-lateraol Sclerosis, Psychotic Disorders, Silicosis, Splenic Anemia (True Banti's Syndrome), Still's Disease, Stroke, Syringomyelia Tabes Dorsalis (locomotor ataxia), Topectomy and Lobotomy,
Wilson's Disease, or high blood pressure

 we recommend contacting us at 866-820-1739 to speak with an agent about the HipIowa Comprehensive Health Insurance Plans sponsored by the state of Iowa State Risk Pool for uninsurable Iowa residents to see if you qualify.  If you qualify for this plan one of our agents can help you complete an application to get you comprehensive coverage with NO exclusion amendments.
 
Do I Qualify?

GENERAL ELIGIBILITY REQUIREMENTS

Coverage is available to persons who meet the following general requirements:

  1. You are a resident of the State of Iowa - "resident" means a person who has been legally domiciled in the state of Iowa for a period of of at least 60 days for purposes other than obtaining insurance. Domicile denotes a person's permanent home and place of habitation. You must attach evidence of residency with this application.
  2. You must also meet one of the Eligibility Categories listed below.

MEDICAL ELIGIBILITY

(At least one of the following must apply to be considered under the Medical Eligibility guidelines)

  1. A notice of rejection of health insurance coverage within the last nine months.
  2. A notice of health insurance benefit reduction of limitation which substantially reduces benefits compared to benefits available to others such as a rider which excludes or modifies benefits for a condition.
  3. A notice of refusal to issue insurance except at a rate exceeding the plan rate of a comparable HIPIOWA plan.
  4. Other involuntary termination (other than non-payment)

MEDICAL CONDITION

If you have been a legal resident of the State of Iowa for the past 60 days and you suffer from one of the following, you are eligible under the Medical Condition.

  • Acquired Immune Deficiency Syndrome (AIDS)
  • Angina Pectoris
  • Arteriosclerosis Obliterans
  • Artificial Heart Valve
  • Ascite
  • Cardiomyopathy
  • Chemical Dependency
  • Cirrhosis of the Liver
  • Coronary Insufficiency
  • Coronary Occlusion
  • Cystic Fibrosis
  • Dermatomyositis
  • Friedrich's Disease
  • Huntington's Disease
  • Hydrocephalus
  • Intermittent Claudication
  • Juvenile Diabetes
  • Kidney Failure requiring dialysis
  • Lead Poisoning with Cerebral Involvement
  • Leukemia
  • Lupus
  • Malignant Tumor (if treated or has occurred within last four years)
  • Metastatic Cancer
  • Motor or Sensory Aphasia
  • Multiple or Disseminated Sclerosis
  • Muscular Atrophy or Dystrophy
  • Myasthenia Gravis
  • Myotonia
  • Open Heart Surgery
  • Paraplegia or Quadriplegia
  • Parkinson's Disease
  • Peripheral Arteriosclerosis (if treatment within last three years)
  • Polyarteritis (periarteritis nodosa)
  • Postero-lateraol Sclerosis
  • Psychotic Disorders
  • Silicosis
  • Splenic Anemia (True Banti's Syndrome)
  • Still's Disease
  • Stroke
  • Syringomyelia Tabes Dorsalis (locomotor ataxia)
  • Topectomy and Lobotomy
  • Wilson's Disease

FEDERAL ELIGIBILITY

  1. HIPAA Eligible Individual--You must be defined as an "Eligible Individual" according to the Health Insurance Portability and Accountability Act, meaning that you:
    1. Must have had 18 months or more of creditable coverage without a break of 63 full days prior to applying for this plan;
    2. Must have had the most recent prior creditable coverage under a group health plan, governmental plan or church plan (or under health insurance coverage offered in connection with such a plan);
    3. May not be eligible for a group health plan;
    4. May not be eligible for Medicare or Medicaid;
    5. May not have lost the most recent coverage because of fraud or non-payment of premiums;
    6. If offered COBRA or a similar state program, must elect and exhaust such coverage
  2. Federal Trade Act Eligible Individual
    1. Must be able to provide supporting documentaion of eligibility.

BASIC AND STANDARD ELIGIBILITY

    You are eligible if you are a current Basic and Standard Policy Holder.

NOT ELIGIBLE FOR HIPIOWA COVERAGE

You are not eligible if you meet any of the criteria listed below:

  1. You are not a resident of the State of Iowa.
  2. You have terminated coverage in HIPIOWA within the last 12 months, unless you can show continuous other coverage which has been involuntarily terminated for any reason other than nonpayment of premiums;
  3. You are an inmate of a public institution;
  4. You have been paid the maximum allowable benefits payable under this program: or
  5. You are eligible for a group plan through an employer;
  6. You are eligible for public programs for which medical care is provided.

We are your complete Iowa online health insurance service. You can research health insurance, get online instant quotes, compare health plan prices and health insurance plan benefits side-by-side, choose from the largest selection of affordable health insurance plans from leading medical insurance companies that offer health insurance in Iowa as well as high risk pool hipiowa health insurance plans sponsored by the state of Iowa. 

Our service is free to you. Health insurance premiums are determined by the health insurance company and regulated by every state. You will not find a lower premium for any of the major health insurance plans quoted on our website. No one can offer a lower premium. These premiums would be the same if you were to purchase your medical insurance directly from the insurance company. There is no additional fee for our services for either regular health insurance or the HipIowa Comprehensive Health Insurance HIPPA plans for uninsurable Iowa residents.

MultiQuote Insurance is an insurance agency, not HIPIOWA. Our purpose is to assist applicants in the application process to obtain health coverage through the HIPIOWA program.


HIPIOWA - High Risk Health Insurance For The Uninsurable In Iowa
  Iowa Health Insurance

 

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