Insurance in Birmingham
Data source: US Census year 2000
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Uninsured in Jefferson County
Birmingham is the county seat of Jefferson County.
One out of ten people in Jefferson County (13.4%) lack health insurance. In the state of Alabama, 15.2% are without.
Among the population under 18 years in Jefferson County, 10.5% are uninsured, while the figure for Alabama is 12.2%.
in 2005, 85% of Americans had some medical expense, spending on average $1,166.
Crime and Safety in Birmingham
Cities are generally less safe to live in than small towns. Violent crime in Birmingham is 176.1% higher per capita, than in the U.S. as a whole. The per-capita rate of property crime in Birmingham is 134.7% higher than nationally.
There are 3902 people living in restricted group quarters such as correctional facilities, nursing homes, and mental hospitals in Birmingham (2% of the population).
Accidents
Commuting to work is a fact of life for most Americans. In 2000, 93% of Birmingham residents drove to work, and 3% used public transport. 2% walked to work, and 0% rode a bicycle. While keeping active is vital for good health, unprotected forms of transportation also puts you at greater risk in traffic.
In the United States, 10% or Emergency Room visits in 2005 was due to traffic accidents. The most common injury was due to falls, totalling 21% of ER visits.
Birmingham, Alabama Health Insurance
With a health insurance plan, your medical costs will be reduced, and a plan that includes regular checkups lowers your likelihood of developing serious health problems. As an added bonus, doctors charge people with health insurance less, since insurance companies negotiate discounts.
Getting an individual health insurance plan doesn't have to be expensive and complicated. With average premiums for single coverage reaching $373 per month ($4,479 annually) in 2007, and familty premiums soaring to $1,009 per month ($12,106 annually), the incentive to find cheap alternatives is higher than ever. Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.
One way to pay smaller premiums is to sign up for a high-deductible health plan (HDHP), an alternative gaining popularity among employers who offer health benefits.
While most Americans have health insurance coverage through their employer, there are trends in the opposite direction. As the economy transforms, and employers rely more on part-time and contract labor, fewer employees are eligible for health benefits. Among firms who offer health benefits, 79% of workers were eligible in 2007. Among both firms that offer and don't offer health benefits, a total of only 59% of workers were actually covered by their employer.
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Local Health Insurance Agents in Birmingham, Alabama
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Accident Health Life & Group Insurance
(205) 833-11498916 Parkway E
Birmingham, Alabama 35206-1519 -
Aetna U S Healthcare
(205) 982-07723000 Riverchase Galleria
Birmingham, Alabama 35244-2315 -
Bearden Floyd Ins
(205) 833-12789025 4th Ave S
Birmingham, Alabama 35206-1503 -
Benefit Plan Management
(205) 967-16143143 Belwood Dr
Birmingham, Alabama 35243-5216 -
Brokerage Concepts
(205) 733-88913821 Lorna Rd
Birmingham, Alabama 35244-1097 -
Burnett, Jerry R - State Farm Insurance Agent
(205) 942-0496453 Green Springs Highway
Birmingham, Alabama 35209-4921 -
Cochran, J David - State Farm Insurance Agent
(205) 798-84461441 Forestdale Boulevard
Birmingham, Alabama 35214-3094 -
Dailey, Brenda J - State Farm Insurance Agent
(205) 822-32762534 Rocky Ridge Road
Birmingham, Alabama 35243-4449 -
Daily, Bobby D - State Farm Insurance Agent
(205) 871-15152102E Cahaba Road
Birmingham, Alabama 35223-1140 -
Dorris, Joe D - State Farm Insurance Agent
(205) 823-43833205 Lorna Road
Birmingham, Alabama 35216-5494 -
Elridge Insurance & Investments
(205) 833-39338004 2nd Ave S
Birmingham, Alabama 35206-3806 -
Empoint
(205) 822-1505400 Vestavia Pkwy Ste 105
Birmingham, Alabama 35216-3784 -
Ezekiel, Robert W - State Farm Insurance Agent
(205) 322-16922215 South 6th Avenue
Birmingham, Alabama 35233-2308 -
Foster, James R - State Farm Insurance Agent
(205) 823-73802048 Montreat Drive
Birmingham, Alabama 35216-4002 -
Garrison Insurance Agency
(205) 785-6543990 McDonald Chapel Road
Birmingham, Alabama 35224-3120 -
Gillispie Jr, Jimmy L
(205) 823-6441270 Olde Towne Road
Birmingham, Alabama 35216-3757 -
Gilmer, Richard L - State Farm Insurance Agent
(205) 798-12402131 Forestdale Boulevard
Birmingham, Alabama 35214 -
Goldstein Insurance Agency Goldstein Don Jr Ins
(205) 879-888016 Office Park Cir
Birmingham, Alabama 35223-2559 -
Gorman, James O - State Farm Insurance Agent
(205) 991-8822460 Cahaba Park Circle
Birmingham, Alabama 35242-8105 -
Guideone Insurance
(205) 833-12789025 4th Ave S
Birmingham, Alabama 35206-1503 -
Gwathney Jr, William C - State Farm Insurance Agent
(205) 979-18841560 Montgomery
Birmingham, Alabama 35216-4584 -
Hawthorne, Theophilus - State Farm Insurance Agent
(205) 941-32322430 Green Springs Highway
Birmingham, Alabama 35209-4920 -
Healthcare Project Resources Inc
(205) 591-98585400 7th Ct S
Birmingham, Alabama 35212-3922 -
Hodges, James R - State Farm Insurance Agent
(205) 836-72349721D Parkway East
Birmingham, Alabama 35215-7858 -
Hodges, Louise P - State Farm Insurance Agent
(205) 661-17771423 Gadsden Highway
Birmingham, Alabama 35235-1519 -
Hodges, Michael N - State Farm Insurance Agent
(205) 967-73653112 Heights Village
Birmingham, Alabama 35243-5221 -
Humes, Melvin - State Farm Insurance Agent
(205) 252-49441429 North 8th Avenue
Birmingham, Alabama 35203-1707 -
Jackman, Stephen S - State Farm Insurance Agent
(205) 823-77002163 Clearbrook Road
Birmingham, Alabama 35226-1566 -
Jones, Bobby B - State Farm Insurance Agent
(205) 822-30322112 Rocky Ridge Road
Birmingham, Alabama 35216-5138 -
Jones, Ronald M - State Farm Insurance Agent
(205) 967-22233122 Green Valley Road
Birmingham, Alabama 35243-5236 -
Kinsey, Robert O - State Farm Insurance Agent
(205) 988-33082344 Valleydale Road
Birmingham, Alabama 35244-2074 -
Ladd Insurance Agency Inc - State Farm Insurance Agent
(205) 780-29552110 Bessemer Road
Birmingham, Alabama 35208-3408 -
LaRussa, Frank J - State Farm Insurance Agent
(205) 991-51634513 Valleydale Road
Birmingham, Alabama 35242-4662 -
Liberty National Auto Club
(205) 427-28862001 3rd Ave S
Birmingham, Alabama 35233-2115 -
M Ca Administrators
(205) 967-04403141 Belwood Dr
Birmingham, Alabama 35243-5216 -
Mann, Gary T - State Farm Insurance Agent
(205) 854-83392470 Old Springville Road
Birmingham, Alabama 35215-4056 -
McCullar, James R
(205) 856-33032244 Centerpoint Pkwy Ste 101A
Birmingham, Alabama 35215 -
Medical Claims Management
(205) 980-11721200 Corporate Dr Ste 170
Birmingham, Alabama 35242-2943 -
Mundy Jr, James R - State Farm Insurance Agent
(205) 854-01231477 Center Point Parkway
Birmingham, Alabama 35215-6166 -
ONeal, Michael Davis - State Farm Insurance Agent
(205) 870-1827512 Montgomery Hwy
Birmingham, Alabama 35216-4111 -
Pappas, Dean - State Farm Insurance Agent
(205) 995-94135510 Hwy 280 South, Suite 206
Birmingham, Alabama 35242-6579 -
Pat Lowe Ins Agency Inc - State Farm Insurance Agent
(205) 956-32762830 Crestwood Boulevard
Birmingham, Alabama 35210-1229 -
Patridge, Edward S - State Farm Insurance Agent
(205) 991-8822460 Cahaba Park Circle
Birmingham, Alabama 35242-8105 -
Patterson, Ferlincia - State Farm Insurance Agent
(205) 595-21663606 South 6th Avenue
Birmingham, Alabama 35222-2408 -
Patterson, John - State Farm Insurance Agent
(205) 933-52001807 11th Avenue South
Birmingham, Alabama 35205-4807 -
Pine Hill Farms
(205) 841-6766538 Pine Hill Cir
Birmingham, Alabama 35217-1211 -
Press Ganey
(205) 979-71892604 Willow Brook Ln
Birmingham, Alabama 35226-3529 -
Press Ganey
(205) 298-94873336 Summit Dr
Birmingham, Alabama 35243-5319 -
Professional Truckers Association Inc
(205) 967-16143143 Belwood Dr
Birmingham, Alabama 35243-5216 -
Proweh Health Systems Inc
(205) 967-2758
Birmingham, Alabama 35203 -
Rivera, Ronnie - State Farm Insurance Agent
(205) 854-99991270 Center Point Parkway
Birmingham, Alabama 35215-6300 -
Roberts, Donald G - State Farm Insurance Agent
(205) 879-88872102E Cahaba Road
Birmingham, Alabama 35223-1140 -
Sims, Jerome B - State Farm Insurance Agent
(205) 592-03965502 Crestwood Boulevard
Birmingham, Alabama 35212-4131 -
Southeastern Marketing Insurance Plans Inc
(205) 871-178912 Office Park Cir
Birmingham, Alabama 35223-2521 -
T K Smith Ins Agency Inc - State Farm Insurance Agent
(205) 987-90992473 Valleydale Road
Birmingham, Alabama 35244-2017 -
Tamburello Ben Allen Clu Chfc Ins
(205) 979-34441953 Hoover Court
Birmingham, Alabama 35226-3606 -
Taylor, Donald - State Farm Insurance Agent
(205) 592-37035502 Crestwood Boulevard
Birmingham, Alabama 35212-4131 -
Taylor, Kenneth W - State Farm Insurance Agent
(205) 980-8889160 Inverness Corners
Birmingham, Alabama 35242-3760 -
The Insurance Shop Inc
(205) 942-6655186 G 1 Ste
Birmingham, Alabama 35209 -
Triton Health Systems
(205) 939-17181401 Rchrd Arrngtn Jr
Birmingham, Alabama 35205-3824 -
Uab Health System Appointments, Viva Health
(205) 939-1718500 22nd St S
Birmingham, Alabama 35233-3110 -
United Group Association
(205) 281-7066
Birmingham, Alabama 35203 -
Ventress III, Thomas A - State Farm Insurance Agent
(205) 956-68127873 Crestwood Boulevard
Birmingham, Alabama 35210-1914 -
Viva Health Inc
(205) 939-17181400 21st Pl S
Birmingham, Alabama 35205-3853 -
Wade Jr, William H - State Farm Insurance Agent
(205) 942-4444285 Palisades Boulevard
Birmingham, Alabama 35209-5157 -
Wakefield, Danny G - State Farm Insurance Agent
(205) 833-71619430 Parkway East
Birmingham, Alabama 35215-8324 -
Walker Cary & Associates
(205) 841-6766538 Pine Hill Cir
Birmingham, Alabama 35217-1211 -
WHEELER COMPANY
(205) 995-86882 Perimeter Park South Suite 160 East
Birmingham, Alabama 35243-8083 -
Whitaker, Reginald D - State Farm Insurance Agent
(205) 925-00001859 Bessemer Road
Birmingham, Alabama 35208-4118 -
Woods, Charles E - State Farm Insurance Agent
(205) 870-84001746 Oxmoor Road
Birmingham, Alabama 35209-4037
Glossary of Terms
- Coinsurance
- amount you have to pay for medical care in a fee-for-service plan after you have reached the deductible. The coinsurance rate is usually written as a percentage. For example, if the insurance company pays 80 percent of the claim, you pay 20 percent.
- Coordination of Benefits
- A system to eliminate duplication of benefits when you are covered under more than one group plan. Benefits under the two plans usually are limited to no more than 100 percent of the claim.
- Copayment
- Another way of sharing medical costs. You pay a flat fee every time you receive a medical service (for example, $5 for every visit to the doctor). The insurance company pays the rest.
- Covered Expenses
- Most insurance plans, whether they are fee-for-service, HMOs, or PPOs, do not pay for all services. Some may not pay for prescription drugs. Others may not pay for mental health care. Covered services are those medical procedures the insurer agrees to pay for. They are listed in the policy.
- Customary fee
- Most insurance plans will pay only what they call a reasonable and customary fee for a particular service. If your doctor charges $1,000 for a hernia repair while most doctors in your area charge only $600, you will be billed for the $400 difference.
- Deductible
- The amount of money you must pay each year to cover your medical care expenses before your insurance policy starts paying.
- Exclusions
- Specific conditions or circumstances for which the policy will not provide benefits.
- Fee-for-Service
- The insurer only pays for part of your doctor and hospital bills. This is the traditional kind of health care policy. Insurance companies pay fees for the services provided to the insured people covered by the policy. This type of health insurance offers the most choices of doctors and hospitals.
- HDHP
- High-Deductible Health Plan. With this type of plan, you pay a smaller premium, but have to pay a larger amount out of your own pocket when you use medical services.
- HMO
- (Health Maintenance Organization): Prepaid health plans. You pay a monthly premium and the HMO covers your doctors’ visits, hospital stays, emergency care, surgery, checkups, lab tests, x-rays, and therapy. You must use the doctors and hospitals designated by the HMO.
- Institutionalized
- People under formally authorized, supervised care or custody in institutions (for example, correctional facilities, nursing homes, and mental hospitals). Generally, restricted to the institution, under the care or supervision of trained staff, and classified as "patients" or "inmates."
- Kaiser
- Figure refers to employer-based health insurance. Individual plans may be more expensive. ("Employer Health Benefits 2007 Annual Survey" (#7672), The Henry J. Kaiser Family Foundation & HRET, September 2007)
- Managed Care
- Ways to manage costs, use, and quality of the health care system. All HMOs and PPOs, and many fee-for-service plans, have managed care.
- Maximum Out-of-Pocket
- The most money you will be required pay a year for deductibles and coinsurance. It is a stated dollar amount set by the insurance company, in addition to regular premiums.
- Noncancelable Policy
- A policy that guarantees you can receive insurance, as long as you pay the premium. It is also called a guaranteed renewable policy.
- PPO
- (Preferred Provider Organization): A combination of traditional fee-for-service and an HMO. When you use the doctors and hospitals that are part of the PPO, you can have a larger part of your medical bills covered. You can use other doctors, but at a higher cost.
- Preexisting Condition
- A health problem that existed before the date your insurance became effective.
- Premium
- The amount you or your employer pays in exchange for insurance coverage.
- Primary Care Doctor
- Usually your first contact for health care. This is often a family physician or internist, but some women use their gynecologist. A primary care doctor monitors your health and diagnoses and treats minor health problems, and refers you to specialists if another level of care is needed.
- Property crime
- Property crime includes burglary, larceny-theft, motor vehicle theft, and arson. The objective of the theft crimes is the unlawful taking of money or property, and does not include use or threat of force against the victims.
- Provider
- Any person (doctor, nurse, dentist) or institution (hospital or clinic) that provides medical care.
- Race
- Race is a self-identification data item in which respondents choose the race or races with which they most closely identify. [US Census]
- Single Coverage
- Health insurance that covers medical expenses for one person.
- Third-Party Payer
- Any payer for health care services other than you. This can be an insurance company, an HMO, a PPO, or the Federal Government.
- Violent crime
- Violent crime includes four offenses: murder and nonnegligent manslaughter, forcible rape, robbery, and aggravated assault. Violent crimes involve force or threat of force.
Birmingham Facts
Data source: US Census year 2000
Population
Population in Birmingham is 242,820.
73% of Birmingham residents are African-American, 24% are White, 1% are a mix of two or more races, 1% are Asian, and 1% are of some other race.
Economy
The median income in Birmingham is $23,732 for men, and $19,358 for women.
Compared to the typical person in the state of Alabama, a resident of Birmingham makes 12.6% less. The trend for Alabama is that the median income is increasing. (2006)
25,809 people (11% of the population) were living on an income below the poverty level as of 2006. The poverty in Birmingham was decreasing compared to the year before.
The typical home is worth $82,000. 36% of Birmingham homeowners own their home outright, paying typically $347 per month in owner costs. Among those with a mortgage (64% of homeowners), the median monthly owner cost is $1,016. (2006)
Housing
There are a total of 109,966 homes in Birmingham. Of these, 2,224 were for sale, and 5,985 homes were available to rent in 2006. 48,409 (54%) were owner-occupied, and 41,638 (46%) were occupied by renters. (2006)
Age
The median age for men in Birmingham is 32, and in Alabama the average man lives to be 71. The median age for women in Birmingham is 38, and women in Alabama live to be 78, on average. (2006)
Education
The education level in Birmingham is high compared to the national average.
Among men over 25, 27% has a college degree, and 21% has some college. Out of the men that didn't study in college, 63% graduated from High School, and 37% dropped out.
Among women over 25, 31% has a college degree, and 23% has some college. Out of the women that didn't study in college, 59% graduated from High School, and 41% dropped out. (2006)
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