Tag Archives: health plans

Getting The Best Health Insurance Quote

Leave a reply

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!

How Do I Get A Health Insurance Quote?

Leave a reply

When searching for the best health insurance plan that matches your financial and health needs, it’s hard to digest the information that comes with health insurance quotes.  Health insurance quotes contain many different values, and just shopping for health insurance can be very time consuming.  This article describes what you need to know about health insurance quotes to find the best plan that suits you and your family.

Though you may find calling health insurance companies for quotes a huge headache, it is one of the best ways to find the answers to your questions about the best policy for you.  You can get answers to your questions answered by a professional who understands the factors determining a quote amount.  However, you will find that most insurance companies will have an automated reply and put you on hold, causing a lot of frustration.  Though this is very time consuming, you will find that getting a health insurance quote by phone has many benefits.

Eventually, you will be able to talk to an actual human, who is knowledgable about the company’s plan and can answer any questions you may have.  You will also be able to learn about the different options you have, such as premiums, by calling a insurance company.  This will allow you to change your plan to suit your needs the best.

By calling an insurance company for a quote, you will be able to buy a policy immediately, if you are satisfied with the conditions.  You are usually able to pay by check, phone, or a credit card.  This process is very fast, without the need to fill out any forms.

Getting health insurance quotes via the Internet is also a very good choice.  Using the Internet is a fast and simple method of shopping for health insurance, and you are able to go to a company’s website and learn about their policies.  Most companies also have a calculator that allows you to change settings and view how much your plan will cost.  You are also able to compare the costs of different companies at the same time, as well as receive many more quotes in a shorter amount of time.

By shopping for health insurance via the Internet, you can compare lots of health insurance quotes side-by-side, making comparing different plans very simple.  You can also purchase a health insurance plan quickly online securely using your credit card or another method.  By buying health insurance on the Internet, you can get your plan as soon as possible so your coverage can start right away.

If you don’t want to spend time searching for plans on the Internet or via the phone, an independent agent is your best choice.  Independent agents do not work for any company, and can provide you with an unbiased recommendation.  Independent agents can usually get a much cheaper plan, as insurance companies offer agents discounts just for bringing in new customers.  Independent agents can help you find the best health insurance quotes, so you pay less while receiving just as much coverage for your family.

Cheap Health Insurance For Individuals

Leave a reply

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.

What Does My Health Insurance Cover?

Leave a reply

In the UK alone, around 7 million people are covered by health insurance.  Even more so are covered in the United States.  Most of these people are covered by their company.  However, very few of these people have actually reviewed their policy and understand what is or is not covered.

If you think that health insurance pays for all health costs, you’re mistaken.  Health insurance usually only provides protection for short-term and curable health problems.  Usually, health insurance allows you to see consultants, doctors, get surgery, or be treated.  However, before you buy a health insurance plan you need to research the health bills that are not covered by your health insurance plan.

This article does not relate to any specific policy and individual health insurance plans are different.  That’s why you should be sure to check your policy documents.  After reading this article, you’ll know what to be on the lookout for!

Chronic conditions

If a condition is curable and is not a long-term problem, insurance companies classify it as “acute” and usually cover such problems.  However, if a problem is not curable or will require long-term treatment, then it is classified as “chronic”, and you usually won’t be covered.  Drawing a fine line between “acute” and “chronic” usually leads to difficulties between the insurance company and the policy holder.

It is agreed that problems such as diabetes and asthma are chronic conditions, since they likely last for your entire life; therefore, these are not covered by insurance.  However, when a doctor considers one’s illness to be curable but it quickly deteriorates and it becomes incurable, it is defined by insurance companies as chronic, as it has become chronic during treatment.  These problems usually arise in different stages of cancer.

Long-term conditions

Insurance companies usually do not pay for long-term treatments.  Be sure to check your policy information to see how your insurance provider defines a long-term condition.  Many times, if use of a single drug extends for a year or so, the insurer will only pay for the first ten months.

Preventative bills

Most insurance plans only pay for the treatment and cure of conditions after the arise, not for treatments that may prevent a sickness.  once again, how your insurance provider defines this can cause problems.  For example, the drug Herceptin can be considered as a cure or preventative.  Herceptin is used in the early stages of breast cancer, and can halve the chance of cancer returning for woman.  However, it can be considered as a cure or preventative.  Insurance companies and policy-holders can have problems in such a case.

Hopefully, this article has been helpful to reviewing your health insurance plan.  Always contact your insurer when you have any doubt about whether your medical bill is covered.