Why You Need Health Insurance and Where to Get It
With health insurance, you protect yourself and your family in case you need medical care that can be very expensive. With today's increasing health care costs, who will pay your bills if you have a serious accident or a major illness? You buy health insurance for the same reason you buy other kinds of insurance, to protect yourself financially.
Individual Health Insurance
If your employer does not offer group insurance, or if the insurance offered is very limited, you can buy an...(read more)
The Importance of Affordable Health Insurance for Children
An estimated 12 million American children are uninsured. 9 out of 10 of these children have parents who work, according to the U.S. Census Bureau. 3 in 5 live in two parent families. Some 4 million uninsured children are in the group targeted by the new child health insurance legislation: their parents earn too much to qualify for Medicaid but too little to afford private coverage. Millions of parents, who get up every morning, go to work, pay their taxes and play by the rules...(read more)
Advice On Policies From Health Insurance Companies
Know your health insurance policy and don't forget to read the fine print.
Health insurance is purchased for security and when the insurance is most needed (as in a serious illness), the contract is all you have. It is best to know what is in the contract before a serious illness occurs; after a serious illness occurs, you are most likely stuck with the insurance you have at the time. Ask the health insurance companies you are considering to walk you through the policy.
Know...(read more)
Introduction To California Health Insurance
Illness or non-work related injury can be financially devastating, especially when considering the rising cost of health care over the past 20 years. Health insurance can help protect you from large out-of-pocket health care expenses that can accumulate during an acute or chronic illness.
If you have a job, your employer may provide group comprehensive major medical coverage. You can also purchase individual comprehensive major medical coverage privately or through an insurance...(read more)
A Health Insurance Quote and Your Choices
Comparing multiple health insurance quotes will help you save money. There are many different types of health insurance. Each has pros and cons. There is no one "best" plan. The plan that's right for a single person may not be best for a family with small children. And a health insurance plan that works for one family may not be right for another. That’s why it’s important to compare health insurance quotes.
For example, if your family includes just two adults, it may be less...(read more)
When to Get Individual Health Insurance
If you are unemployed, self-employed, or decide to return to school you may want to buy an individual health insurance policy. Individual health insurance coverage serves to protect persons in times of health needs. Often individual health insurance is used when affordable group health insurance is not available. It is important to learn about the different types of health insurance offered by a company.
Fee-for-Service Insurance
How much is the monthly premium? What will your...(read more)
Low Cost Health Insurance Plans Come In Different Shapes & Sizes
You can find low cost health insurance plans online with a little homework. To get the best deal, first know what kind of health coverage you need. Most plans fall into two categories:
Fee for Service
Traditional Insurance or “fee for service” lets you see any doctor. After your visit, either you or your doctor files a claim for reimbursement from your insurance company. If you go with a high deductible and are generally healthy, you can often keep traditional insurance low cost....(read more)
Understanding Health Insurance Terms
Health insurance terms can often sound like gibberish. But consumers must understand what they mean while shopping for health insurance. Here's our glossary of terms to help you find the best policy.
Coinsurance - The amount you are required to pay for medical care in a fee-for-service plan after you have met your deductible. The coinsurance rate is usually expressed as a percentage. For example, if the insurance company pays 80 percent of the claim, you pay 20...(read more)
Obtaining Student Health Insurance
Student health insurance programs are becoming more and more common. Often college students are covered by their parents' insurance. If not, they have to rely on the services of their school's student health center. These school clinics vary in quality, and can't handle complex diseases or intensive emergency care. Student health insurance provides a bridge of protection that can be very worthwhile.
Reasons to Buy Student Health Insurance
If you are traveling abroad (look for...(read more)
The Use Of Temporary Health Insurance
If you're headed to Bora Bora or Berlin, temporary health insurance is often sought by people planning to travel outside the U.S. It's also used by students, people between jobs, and those waiting for new coverage to kick in. It's primarily intended for healthy people without pre-existing conditions who want to guard against a financial catastrophe in case of unexpected illness or injury.
Premiums for most temporary health insurance coverage are low cost. This insurance is...(read more)
Your Options For Self-Employed Health Insurance
You probably love the benefits of being your own boss, except when it comes down to self-employed health insurance. Most people who have their own business feel they pay much more than they should for this coverage, and there is no clear-cut way around it.
Federal law extends certain protections to those seeking to buy self employed health insurance for themselves and their workers. Check with your Department of Insurance to be sure that you know which protections apply to your...(read more)
Finding Health Insurance Online
Looking for health insurance has never been easier. The Internet provides a fast and easy way to find the plan you are looking for. Now you’re able to compare rates and policies in a matter of minutes.
Through services like SPENDonLIFE.com you can get multiple quotes so that you can compare your health insurance options. Below are some things you should know before continuing your research.
Do employers have to provide health care coverage?
No. If a business does offer health...(read more)
Buying An Individual Health Insurance Plan Policy
Whether you're out of work or self-employed, don't go without an individual health insurance plan if at all possible. The risks for financial devastation are real if you are sick, injured or disabled for a period of time.
The majority of Americans with health insurance receive it through their employers. But it's certainly possible to buy it yourself. It may cost more because you're not receiving your employer's contribution, but it's still very doable. Single individual, basic...(read more)
Group Health Insurance And Other Alternatives
Group health insurance is very important. A group health insurance plan allows many individuals to join one group, which spreads the risk and helps keep costs down. If you can't join a group, then you can purchase individual health insurance policy which is typically far more expensive.
There are several different types of plans and organizations when it comes to insurance. One thing is sure – it’s always best to compare multiple quotes to find out which company will give you the...(read more)
Learning About Short-Term Health Insurance
Short-term health insurance is the ticket for people in transition. If you are healthy and unemployed, employed part-time, going to school, graduating from college, leaving home for the first time, or even retiring early, you might consider carrying short-term health insurance coverage.
Health care can be very expensive but so can not having any insurance. Individual doctor visits can run from $100 -$300. A day in the hospital can cost $1000 or more, and operations may skyrocket...(read more)
Which Political Party Proposes Cheap Health Insurance
The two major political parties in the United States have vastly different ideas on what makes for good policy. One of the issues most prevalent in elections is the issue of cheap health insurance. Candidates also like to talk about retirement plans. In this article, we take a look at which candidate for the 2004 Presidency, President George W. Bush or Senator John F. Kerry, considers cheap health insurance the right way to go. We also look at what their retirement plans...(read more)
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