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Finding Affordable Health Insurance
With prices seeming to be on a never-ending rise, health
insurance costs have increased to the point that affordable
health insurance seems to be a thing of the past. One of the
most common means of obtaining affordable health insurance is
working for a company that offers a group health insurance. But
what about those of us who don't work for a company with
insurance benefits, those who have lost their jobs or are in
between, those who are uninsured and under-insured ?
The first thing to do when looking for affordable health
insurance is to assess your personal situation. Not all people
need the same benefits in an insurance policy. Someone who has a
family will need a different policy than a single person, and,
even though a company offers a family group policy, their group
policy might not meet the needs of your particular family
situation. You must look at your needs before starting to shop
for affordable health insurance, and, then, shop around. Pay
strict attention to the cost of the benefits that are important
to you, the yearly deductibles, co-pays, ceilings, and lifetime
maximums that might adversely affect you. For instance, some may
need a policy that covers maternity, but if you don't need it,
delete that from your list of necessary coverage. Look at a
minimum of 8 to 10 companies and keep looking until you find an
affordable health insurance that fits your needs.
If you are low income, be sure to first look for affordable
health insurance with your state's Medicaid program. Every state
has a family services assistance program that you might qualify
for. These programs can cover doctor visits, eye care, dental
work, emergency rooms, and prescriptions; they
offer the most
affordable health insurance available and are generally
sufficient in coverage to fully protect your family. If you
qualify for this assistance, it's free or at a very low cost to
you, so it's worth a trip to the office that handles family
services for your area and filling out an application.
However, if you don't qualify for assistance, the best place to
look for affordable health insurance is on the internet. Because
of the amount of competition on the internet and the fact that
no agent receives a commission, you will find considerably lower
prices along with other benefits of doing business online. All
the top insurance companies are online, too, offering affordable
health insurance and competing for your business. When doing
business online, however, just be sure to verify that the
company you choose is licensed in your state before making your
final choice.
There are two major keys to finding affordable health insurance.
The first one is realizing that insurance is to protect you from
a major financial loss, not to defray the everyday expenses of
health care. Paying the costs of office visits, medicines, and
check-ups will help you keep your health insurance affordable.
And the second key to affordable health insurance is to shop
around and compare.
About the author:
Carol Cass has written several articles on a variety of
subjects. This article on Finding Affordable Health Insurance,
compliments her website on Affordable
Health Insurance, which is for helping people find more Affordable
Health Insurance.
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