Category Archives: Cheap Health Insurance

Savings From Medical Plans

Savings from medісal plans are a reаlіtу. But iѕ рurсhaѕіng group heаlth іnsurаnсе or individual medical insurance better? The truth is, either can рrovidе bіg medicаl inѕurаnсе savings. When comparing medical plan savings, the chоiсе iѕ уours! If you аre sеlf-emploуed, оr withоut сurrent maјor medіcаl coverаgе for уoursеlf or fаmilу, yоu facе a bіg financiаl deсisіon. Shоuld yоu gamblе right nоw in gооd heаlth, аnd hорe you stау heаlthy? You may lose your current savings from your medical plan but gain long term sесurіtу.

Medical plan savings

Numеrоuѕ реoplе are thrіllеd tо ѕаve $150.00 а year on homе insurаnсe. Othеrѕ rake іn аn еxtrа $300 by fіnding аn аutо insurеr matching thеir dеmоgraрhіcs. But the king of medicаl plan ѕаvіngѕ іѕ the $1,200 or morе fаmіlіеs can savе оn buуing grоup heаlth inѕurаncе. Mіllions mоre pеoрle еach yеar qualify fоr group bеnеfіtѕ. Purсhаsing grоuр heаlth insurаnсe usuаlly requіreѕ hаving 10 оr mоre emрlоуеeѕ. Dо not соnfuѕe thіs wіth a madе up “аѕѕоciаtion plan“, mаking pеoрlе fеel thеу cаn gеt group іnsurance сoverаgе juѕt by рaуіng а mеmbеrѕhіp fee.

So hоw dо уou mаxіmize уour mediсаl іnsuranсe ѕavіngѕ? If уou аre іn goоd hеаlth, аnd are self-emplоyed, havе even a small еBay business оr other busіnеsѕ, оr аrе аn іndependеnt cоntraсtоr, уou hаve а large selection. Sоmеtіmeѕ рurсhаsіng grоuр medісal рlan sаvіngѕ is thе beѕt rоutе. Othеr timеs indіvіduаl major mеdіcаl соverаgе іs wіsеr.Hеrе іѕ the kеу fаctor. Hоw yоur currеnt hеalth and what іѕ your ѕenѕe of hоw іt will bе 5 to 10 yеars from now. Purchаѕіng group health іnsurance through уоur lосаl сhamber оf commerсe соuld be уour аnѕwеr for medicаl inѕuranсe ѕavіngѕ. This іѕ іf уou currently hаve medіcal prоblеms or fеel іnѕесure about your future mеdicаl hіѕtоry.

Grоuр insurance cоverаgе

With fеw exсeрtіonѕ, уоu сan jоin the loсal Chambеr оf Commercе, and get mеdіcаl plаn savіngs on theіr grоup plan. Grouр Insurаnсе cоvеrаge when сomрarеd tо sіmilаr bеnefit іndivіdual mајоr medісal соvеragе iѕ оftеn аt lеaѕt 10% lеѕѕ cоstlу. Sо іf you werе quоted $1,000 a mоnth for a fаmilу individual mаjоr mediсal соverage, sаving 10% equalѕ $1,200.00 annuallу. With such a plan, уour currеnt hеalth is а major іѕsue of соst аnd іnѕurаbіlіty. Any major hеаlth сonditiоn nоw оr іn thе рast wіll сrееp оut to hаunt yоu.  Fоr individual medical plans, yоu mаy rеcеivе a countеrоffer to paу 50% to 100% mоre fоr thе health іnѕurаnсе. Addіtiоnally аnу сlаims on уоur health coverаge fоr pre-existing аnd currеnt health issueѕ will uѕuallу nоt be еligіblе durіng the firѕt 180 daуѕ. Paуing а сouplе grand оut оf уоur own рockеt is сertаinly neіther аn uncоmmon or рlеаѕаnt еmеrgenсу еxрenѕе.

Chаmbеr оf Commеrсe plan

Enrоllіng іn the Chambеr of Cоmmerсе рlаn iѕ the routе tо gо іf уou have сurrеnt mаjor hеalth рrоblеmѕ or pre-existing hеalth соndіtіоns. The Chаmbеr plаn must acсept you. And your currеnt and pаѕt health flaws аre сoverеd іn zеro tо 90 days. All this, аnd еven unhealthу membеrs pаy the еxact sаmе соѕt aѕ еvеry other Chаmbеr mеmber.

Now, for a loоk at thе negative ѕide of grоuр mеdiсal рlans. A Chambеr plan еѕtablіѕhed fоr а long timе can bе bad for уou. For example, уоu may havе numеrouѕ membеrѕ over agе 55 with соuntleѕs heаlth problеmѕ. Clаimѕ are conѕtantly рaіd оut, fоrcing ratеѕ tо rіsе. Eаch yеаr thе іnѕurer loоks at thе сlaіmѕ paid versuѕ thе benefіts pаіd оut. Yоur medical рlan savіngѕ ratеѕ сould zoоm upwаrd ѕuddenly and уоu mау be trаpрed. Chаmbеr mеmbers in good health often орt for indivіdual mајor mеdіcаl сovеragе when rateѕ soar. Thіs cаuѕеѕ thе inѕured рооl to shrink furthеr dоwn to mаіnly mеdiсallу prоne membеrѕ. For thоѕe whоѕe heаlth haѕ dесlinеd, they hаvе nо wау out.  After your hеаlth dесlines, indіvіdual medісаl рlаns are no longеr а vіаble оptiоn.  Being trарped іnto skуroсkеting Chаmbеr rаtes is nоt uncommon.

Cheap Health Insurance Plans in Today’s Economy

True – health insurance costs are increasing year after year, month after month.  But this doesn’t mean you aren’t able to get an affordable yet reliable health insurance plan.  In fact, with more Americans finding the price of health insurance too expensive and simply going without health insurance, health insurance companies are being forced to keep their prices competitive.  Here are a few things to consider when looking for the best, most reliable, and cheapest plan that fits you and your lifestyle.

1.  When are you covered under the plan?

Unfortunately, with the economy in an undesirable condition, many health insurance policies currently do not provide you with benefits or compensation for anything that could be covered under another plan, such as workers’ compensation laws.  When shopping around for health insurance plans, don’t let the price fool you and be sure to consider whether the health insurance plan you choose covers you both on and off the job, 24 hours a day.

2. You can shop around for healthcare!

Every day, people shop around for groceries, services, and more, trying to find the best deal for their money.  Why, then, do people not do this when shopping for health care? In today’s ever-changing market of health insurance, it is becoming more and more important to ask questions about how much a checkup or treatment plan will cost.  Doing so will help you save large amounts of money and lower your own expenses.

3. Take advantage of discounts

In order to lure customers, many health insurance companies offer discounts on health care or benefit programs when working with certain medical networks.  For example, certain doctors, physicians, or hospitals may already have formed an agreement with your health insurance provider to provide discounted rates.  To get the most out of your plan and minimize your out-of-pocket expenses, this is an excellent way to save money.

Benefits of Low Cost Health Insurance

Healthcare costs in the U.S. are rising, and according to government statistics over 40 million Americans may not have affordable health insurance. Health insurance plans that offer services at much lower costs are a necessity to individuals such as students, the unemployed, and those on a fixed income. These plans need to be not only reasonably priced, but also they need to cover the health needs of the individuals who they are insuring. This should include regular medical care, as well as major medical expenses resulting from illnesses such as cancer or diabetes.

Many colleges, especially those that are accredited by the state, may already offer low cost health insurance coverage to students who are enrolled full time and are between the ages of 17 and 19. It is important to check each of these programs out before enrolling because they are all different. There are some advantages to these college programs such as lower cost and the ability to transfer to another university without losing their insurance.

However, there are problems with these low cost plans, whether they are plans for students or others who need this service. Often these programs compensate for having lower premiums by having fewer benefits. Services that may be covered on higher cost plans are often times left out of these plans. Some of these services may be ambulance service, blood transfusions, oxygen, or even prescription medications.

Getting The Best Health Insurance Quote

Everyone wants to get the cheapest health insurance quote possible, but many do not know how to do so.  Consumers must take into account many factors while comparing different insurance companies’ quotes.  This article will show how to get the best health insurance quote for your needs easily and comfortably.

Do In-depth Research

You should research more about your needs and other plans before buying any plan for health insurance.  With a better understanding of your needs and factors that result in a quote’s value, you will be able to get a cheaper quote.  Just with a short while of research, you will save lots of money in the long run.

Compare quotes

Though getting quotes from different insurance companies and comparing them may be tedious, doing so will save you money in the future.  While comparing different insurance quotes, you should compare more than just the value.  You should consider other factors that relate to the quote, such as the coverage of the plan.  When comparing different plans, always analyze the plans that give the same amount of benefits and coverage.  A great way to compare quotes is on the Internet, since you can compare quotes from different companies side-by-side.

Comparing quotes on the Internet

One of the easiest ways to compare quotes for health insurance is using the Internet.  Many websites offer an independent quote comparison tool, which allows you to compare the prices of different companies.  Usually, you only need to give your zip code to the tool, and you will be able to compare quotes instantly.  Be sure not to buy health insurance from websites selling it, as these may provide false quotes to trick you into purchasing a certain overpriced plan.

Don’t fall for lower deductibles

Getting a plan with a lower deductible seems like a great gain.  However, think about the long run and choose a higher deductible rather than falling for the short-term benefits.  If you get a plan with a lower deductible, you’ll actually have to pay more in the long run!

Inexpensive Health Insurance For The Unemployed

Being jobless can represent a financial downside. You could be depending on somebody else to compensate your day-to-day expenses such as a home to live and food to eat. Health insurance is something that everybody necessitates and not enough people have accessible because of these additional financial burdens. Whatever emergency such as a automobile accident or broken bone will call for decent medical aid. What do you do once you don’t hold insurance and can not afford costly medical examination bills? If you’re unemployed, you need to ascertain health insurance to prevent this from happening.

COBRA is a law in which many people could be eligible to remain on an employer’s health insurance plan even after they lose their employment. The most ideal person for this coverage is someone who’s between jobs and isn’t in need of long-term aid. It can last at any rate a year to those who qualify, but the premium amount is still an expense that some unemployed individuals may not be capable to take care of with their lack of income. If you are able to pay the premium and are eligible, COBRA will also cover your spouse and children who are dependent on you for insurance. The best way to determine if you could receive health insurance is to contact your local employer’s benefits department and fill out the required forms.

You can also shop around for typical health insurance. Many free Internet services are proven reliable by the Better Business Bureau Online. By speaking with one of these insurance experts, you can get help finding the most affordable health insurance that will fit your specific needs. They know the rates of thousands of insurance companies and can fix you up with appropriate coverage for your specific needs. If you have a spouse or children, having health coverage is a necessity. Life is full of unexpected events and you cannot ensure that everyone will stay completely healthy until you have insurance again because accidents do happen. Finding an affordable coverage rate on your own can be a hassle. The experts at these companies are offering their assistance to you, often as a free service. Whether you need to find something short-term or for an extended period, they are qualified and dedicated to helping you.

If you find yourself unemployed at any time in your life, you are probably without health insurance. This can be a nightmare whether you have a family or not because medical expenses can put you into debt quickly. Luckily, there are ways of finding affordable coverage providers that can keep your health, as well as your finances, safe. A simple doctor visit can cost you significantly more money than it would with insurance. Do not let yourself become one of the many people who are unfortunately living life without proper insurance coverage.

Five Fastest Ways To Lower Your Health Insurance Premium

It is important to get a health insurance policy for you as well as your family. However, some of these plans may not be in your budget range. This article will provide five helpful ways to decrease your health insurance premium.

“Health is wealth” is an old saying. To maintain your wealth and your health, you must obtain a health insurance policy for you and your family. However, sometimes the premiums that these policies charge can cause you to leave your budget range. But, there are many ways to do something about bringing down your premium.

Healthy lifestyle

By living a healthy life, exercising regularly, eating healthily, and abstaining from smoking or heavy drinking, you will definitely need to visit the doctor less often. In fact, the healthier you are, the less risk you are to your insurance company, and your premium will be decreased.

Shopping for the best price

One of the best ways to lower your premium is to shop around for the cheapest health care policy that fits your budget and needs. You should do a good search for other plans before investing in a single policy. You can also ask your friends and families for advice, or even check the Internet.

Plans with higher deductibles

Health insurance plans that come with higher deductibles usually have lower premiums. Usually, a deductible is the amount that you must pay to a hospital, doctor, and other medical bills. However, if you take a plan with a higher deductible, it may not cover all expenses. If you are healthy and do not get sick frequently, this is a very good choice for you, as you will be able to keep you premium very low while getting basic health care covered. However, if you have a history of health problems, avoid using a high deductible plan.

Get a policy earlier in life

When buying health insurance, the premium you must pay has a great relation to your age. Therefore, if you get a policy earlier in life, you’ll have to may much less. For example, if you buy a health insurance policy at the age of 20, you’ll most likely have to pay much less than you would have to at the age of 40.

Contact independent health insurance agents

With help from independent insurance agents, you can find insurance with cheaper premiums. These independent agents represent many insurance agencies and can help you to choose the best health insurance policy that fits your budget and needs. Since independent insurance agents must compete to get business, you’ll find that you get great offers very quickly.

Cheap Health Insurance For Individuals

Individuals have many options to obtain cheap and affordable health insurance.  This article describes the many ways a single person can get a health insurance policy for just as cheaply as a group.

However, keep in mind that there are savings in numbers.  The more people in a single plan, the better savings for every member.  Some states, such as Florida, allow you to buy group health insurance policies for an individual.  Other states allow two people together to qualify for a group rate.  If you are the sole proprietor in your family, you may be able to claim your spouse as an employee and receive a group rate.

Another option for self-employed individuals is the NASE (National Association for the Self-Employed.  This association offers self-employed individuals the option to take off all of their medical premiums as well as their non-insured medical expenses from state, federal, and self-employment taxes through a program called 105 HFR.  If you are not part of a company and are self-employed, you may be able to get lower premiums by joining a group, such as trade or alumni associations.  For example, as a writer, I could join a group association that helps writers secure discounted health insuranfce.  For example, associations such as the ASJA (American Society of Journalists and Authors) could help writers get cheaper health insurance.  Fitness instructors may choose to participate in the health insurance program offered through IDEA, with health and fitness professionals.  In addition, woman who are pregnant may elect to join the American Pregnancy Association and receive government funded programs and cheaper health plans, not subject to state regulations.

However, make sure you understand that an association health plan is not the same thing as a group health plan, since insurance companies do not need to provide the same premium for each member of a association, but will most likely do so for a group.

Finding Affordable Health Insurance

Finding a health insurance plan that is affordable and also meets your needs is possible, and there are many companies that are there to help you find health insurance that meets your requirements and stay within your budget.  However, many people do not know where to start looking for a good health insurance plan.  This article will show how to find affordable and cheap health insurance easily.

Working with a company that can search out many different health insurance providers can take the hassle out of needing to look for and buy health insurance yourself.  For people who do not want to use a company to locate a good health insurance plan, you can always use the Internet to find a good plan.

Many people in the US go without health insurance simply because they believe that they cannot find a health insurance plan that is affordable.  Consequently, those who don’t have health insurance are less likely to visit a doctor.  Many times, illnesses are not diagnosed until they have developed.

Many factors determine how much your monthly health insurance plan will cost.  Your health insurance rates depend on the kind of policy you have.  For instance, does your health insurance plan cover only yourself or you entire family?  This will affect the quotes you receive.  Are you a younger buyer, or are you in your senior years?  Most health insurance companies adjust your health insurance premium depending on your age.  Do you own a business yourself or are self-employed, or are you getting health insurance from the company you work for?  Factors like these will also affect how much your health insurance costs.

Health insurance is very important, since you never know when an accident might happen and you need medical attention.  For example, if you are getting stitches or help for a broken bone, these bills may end up huge.  However, with health insurance, these bills will build up but you do not need to worry about having to pay for them.  In fact, if you can’t afford to pay your medical bills without health insurance, your credit rating might suffer.

By buying health insurance, you can stop these events from ever happening, and your financial future and your health will be protected.

Another way you can oibtain cheaper health insurance is to get insurance with a higher deductible.  Higher deductibles mean lower monthly premiums.  However, anyone with existing health problems and may need medical treatment may not find this the best choice.

By simply researching affordable health insurance options for a couple hours, you are saving you and your family lots of money every month.  Also, be sure to receive many quotes from insurance companies that meet your financial and health needs.  You will also find that purchasing health insurance via the Internet will save you money.