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With the way health care costs keep
rising, cheap medical health insurance sounds like an oxymoron. There are
millions of Americans who are uninsured due to its cost. Most of the people
that do have health coverage either get it from their employer or their
spouse’s employer, who often pays a significant portion of the costs. Instead
of paying a hefty monthly premium, many families are deciding to go without
coverage at all. Often times, cheap medical health insurance don’t provide
adequate coverage to make its purchase worthwhile. With changes in the health
care system looming, you may want to start research different health care
health care reform bill
Lately, a major item in the news has been
the health care reform bill that was just passed. By 2014, every US citizen
will have access to government-subsidized cheap medical health insurance. This
means the unemployed and self-employed will be able to get coverage at rates
cheaper than previously available. However, the bill also states that it is
mandatory that everyone carries medical insurance or face an annual fine. This
can be a problem for those already struggling to meet their current financial
obligations. Adding an additional bill or a fine can wreak havoc on their
budget. Now, we are left with the choice of enrolling in a government insurance
plan or try to find a cheap medical health insurance plan on our own.
Cheap medical insurance plans
Contrary to what many think, cheap medical
health insurance plans can be found. To be able to find such a plan, we need to
be realistic. A cheap plan won’t cover every medical condition and service.
Services such as cosmetic surgery or even chiropractic care probably won’t be
covered. In order to find the least expensive plan, we need to …
If you are in the cheap health insurance
market, you are lucky. There are many ways to find affordable health insurance
policies as long as you can take the time to look and see what is available.
Here are five tips to help you save money on your health insurance, although
some may be easier than others:
1. Shop around
There are so many different companies
offering insurance and you owe it to yourself to compare your options and see
what is available. As a general rule, you need to have 3-5 different offers
from different companies to find the best offer for insurance and make sure you
don’t miss something.
2. NEVER buy the first policy you find
It doesn’t matter how good a deal you get,
because you can’t know that it’s the cheapest deal unless you cross it and
investigate other options. If the first policy ends up being the cheapest, you
will at least know there is nothing better out there.
3. Use employer-sponsored health services when you can
Even if you need to buy additional
insurance, it will be cheaper than buying an overall health insurance policy of
your own accord. Many employers don’t offer employee protection but many do,
and you need to check to see if it’s cheaper than a personal plan and how good
the coverage is.
4. Reduce your policy
Most people who buy insurance are too
insured. You might not think that there is such a thing as too much insurance,
but there is. You need to make sure you have enough coverage, but also that you
don’t pay for coverage that you don’t need.
5. Consider a high deductible package and a combination of health savings
While it might not seem like a cheaper way
to get health …
Nowadays larger parts of our house hold expenses are spent for meeting
the medical costs. The chances of us getting infected with a health disorder
are very large and we cannot predict at what time a serious illness or an
accident will affect our life. Human life is full of uncertainties and this is
the reason why it is advisable to have health insurance coverage for all the
members of our family. If we don’t have health insurance coverage, then it
would be the greatest mistake that we commit in our life as we would have to
spend some good money from our pockets to meet the medical expenses.
The reason why most people do not take health insurance coverage is that
they are not able to meet the cost of an insurance product with their limited
income. Affordable medical insurance is something that is most common nowadays.
But it is an unfortunate fact that most of our people are unaware of the
various affordable insurance options that they can choose for. Being unaware of
these information’s means that they are not getting themselves insured and
would suffer if any major health disorder happens to them.
Finding an affordable medical insurance is not a big task. There are
many simple ways that you can make use of to save much of your insurance costs.
1. People who are engaged in profession that are very dangerous to their
life would attract only less affordable rates. If you change your profession to
another which does not expose you to hazards then the chances of you getting
affordable rates are many.
2. You should choose yearly premium instead of monthly payment. Some
people may think that these monthly payments are very comfortable. But if you
want to save the cost, then you should …
There are several different types of health insurance plans out there.
When shopping for health coverage, it can get confusing. Each different policy
is broken down to satisfy every individual’s needs. It’s important to
understand that there isn’t just one type of policy out there.
Types of Health Insurance
Major Medical – This is the most popular type of policy because of the
well-rounded medical coverage. The insured pays a monthly premium in exchange
for protection from major medical expenses and a small fee for doctor office or
emergency room visits, called a copay.
Catastrophic – A catastrophic policy is designed to protect you from
major losses. These policies have a larger deductible than your standard major
medical policy ($10,000 or more) to keep monthly premium payments to a minimum.
People typically buy this kind of policy if they don’t mind paying for minor
medical costs but want protection if anything disastrous were to happen.
Indemnity – There are several different types of indemnity policies on
the market. Indemnity plans have similar benefits to major medical policies but
come with stronger limitations. These are sometimes selected by individuals as
a more affordable option.
Guaranteed Issued – Most carriers require that your application gets
reviewed by their underwriting department to determine whether or not you are
insurable. Individuals with an extensive medical history or pre-existing
conditions often do not pass their underwriting guidelines. A guaranteed issued
policy will accept individuals with pre-existing conditions and is one of the
last options for people who have been declined by other companies.
Discount Plans – There are many advertisements out there for discounts
on medical services. This might sound like health insurance, but it’s not
considered a real health insurance policy. You pay a monthly premium for a
discount on your medical services. …
In today’s economy, there can be
nothing more stressful than looking for health insurance. Some people are
lucky. They get their insurance through their employers. This means that they
can work with an HR person to learn about which plan is best for them. Since
they are part of a group plan, chances are they will also get discounts as far
as premiums go. For many people, however, these employer benefits are not a
reality, and when it comes to getting insurance, they find that they are on
their own. If you are in this position and you are looking for insurance, then
in this article, you can get a few tips about how to go about finding the
insurance plan that is right for you.
Before you start searching for
health insurance, you have to get some sense of what is realistic. In other
words, you need to first decide which kind of plan you need most urgently. For
example, if you have no eye problems, then you may not need vision coverage
right away. This doesn’t mean that you will never need vision, but it is not
the top priority now. You will also want to determine how much you can pay per
month. How much you pay per month will affect the amount of the deductible, so
it’s important that you also consider how often you will be going to the
In the old days, you used to get
health insurance by visiting agents or brokers in their offices. You would have
to sit at a desk and wait while the agent or broker made call after call after
call. You would hear a number of different quotes and have to decide on the
best one. The good news is that as difficult as finding the …