Seeking A Cheap Health Insurance
Most of the people need health insurance, but do not know how to begin looking or feel that they can not afford it. The truth is that we can not afford to live without it. Below are some tips to know about the health care plan that we and our family need.
Individual Plans vs. Group Plans
While most of the people think that it’s cheaper to buy health care through an agent or some type of a group plan, it is not the case always. The cost of our plan would depend on different factors. If our employer is going to pay almost all the cost of the plan than certainly it will be in our hand to choose any option & receive low cost or free health insurance. On the other hand, if we are a fit individual & we can obtain insurance through our employer but they would not be going to pay the bill, then we would most likely buy an individual plan for ourselves according to our requirements.
Group or individual health plans, by laws, should cover each and every thing on them, including the prior conditions. This reveals that healthy persons on the plan stable the costs that the insurance firms would have to shell out for the persons who have health problems & are also assured under the scheme. As this proves out good for people with health troubles as the insurance firm is supposed to cover them, but it makes the price of insurance higher for healthy people as if they were to buy an individual plan personally. So, we should not just suppose that the plan offered by our group or employer is best for us in fact we must take our time to shop around & evaluate quotes & check if there lies a more cost efficient plan available to us.
While the excitement is big to find the low-priced health insurance plan obtainable to us, our main concern must be to find out a plan that would best meet us and our family’s requirements. We would need a plan that has sufficient coverage to protect our property at the time of a medical tragedy. We should avoid looking for “price cut plans.” And should work with a private agent in our area who may help us look around & find out a plan in a trustworthy company.
Watch the video related to cheap health insurance
On CNN this afternoon, House Republican Leader John Boehner (R-OH) told Wolf Blitzer that Republicans want to make sure that all Americans have access to high quality, affordable health insurance. Boehner also noted that Republicans want to make sure that doctors and patients are making decisions about what care is in their best interest, not some government bureaucrat in between.
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10 Responses to “Seeking A Cheap Health Insurance”
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BigTBodyBuilding
November 19th, 2009 at 4:35 am
This guy is a fucking idiot.
dscougar
November 19th, 2009 at 4:44 am
It's called a group accident policy, and likely it WOULD be available for your group to purchase.
It covers all members of the group (you provide a roster once a year) for a limited amount of accidental injury coverage – usually $5,000 or $10,000 per person. Um, that much doesn't go very far, if there's a serious injury.
Premium is up to the underwriter. Minimum group premiums are $750 a year, however, I'd guess you're looking at a much higher group minimum premium – likely $500 per person, per year. Plus a deductible, maybe $1,000.
Bottom line – it's going to be limited coverage, and won't be cheaper than a health plan through the employer, AND, EVER SINGLE MEMBER OF THE GROUP would be charged for.
A local, independent agent should be able to get this for you, though. Cigna does group accident policies, but there are other companies out there that do it, as well.
concernedmom
November 19th, 2009 at 5:05 am
From one concerned mom to another,
Ohio has a lot of great doctors and dentists. I have a great site for you to check out:
http://www.qualitymedicalcare.org
You can get a medical plan (medical, dental, vision, prescription, and chiropractic)for your entire family for $59.95 a month and if you don't want the medical part of the plan but want the dental, vision, prescription, and chiropractic then you can get a plan for only $19.95 a month for your whole family.
I hope this helps! You can locate providers in your area and sign up for coverage through the site as well.
cutiessailor
November 20th, 2009 at 2:19 am
Do YOU realize that we are already…all of us…footing the bill and burden for the uninsured?
max p
November 20th, 2009 at 2:36 am
BLAQUE
November 20th, 2009 at 9:30 am
SinDelle Morte
November 20th, 2009 at 3:28 pm
"OH NOES! I want a plan that charges outrageous premiums and denies me the most basic of benefits! I need a plan that will cancel as soon as I get sick! I need a plan that will refuse to enroll people who have preconditions! I insist on high co-payments and deductibles! I need to have to call the insurance companies and stay on hold for hours for each prescription my doctor writes for me! I deserve to get payment for my emergency surgery that saved my life denied, because I didn't get it approved days in advance! They are violating my rights to deny me access to such a plan!"
This little rant is beyond sad. It is somewhere between ridiculous and pathetic. It is sick. But under the new plan, I bet mental health benefits would be covered. ∠°)
J mister
November 20th, 2009 at 3:54 pm
No
would not vote for you.
your goals are expensive and would never work
kind of like our next pres
J mister
November 20th, 2009 at 7:15 pm
No, taxes would be through the roof to pay for all the stuff you mentioned. Also, your plan to tax businesses within the U.S. is just asking for job outsourcing. And FORCING everyone to have two trees on their property? That's too much government.
Sorry bud.
kittypurnorth
November 22nd, 2009 at 12:38 am
Two reasons: Obviously, because outpatient care generally costs less. But the secondary reason is, because the longer a person is in the hospital, the more likely they'll pick up something nasty from someone ELSE in the hospital, and need even MORE treatment.
Did you see the article that Medicare plans to charge back to hospitals, for treatments to patients that pick up infections IN the hospitals?