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Health insurance - Wikipedia, the free encyclopedia
Encyclopedia article including topics such as history,
privately and publicly funding schemes, and specific
sections on the USA and Canada.
en.wikipedia.org/wiki/Health_insurance -
Health Insurance - Main
Data on status and type of coverage by age, sex, gender,
race, state, as well as other characteristics. Site
offers data review tools to create and extract ...
www.census.gov/hhes/www/hlthins/hlthins.html
MedlinePlus: Health Insurance
Provided by the US National Library of Medicine and the
National Institutes of Health to answer consumer health
questions and provide access to medical ...
www.nlm.nih.gov/medlineplus/healthinsurance.html -
Health Insurance Quotes for Medical Insurance from
UnitedHealthcare
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Affordable health insurance
- it seems, especially today, those words just don't
belong together in the same sentence. Health insurance
monthly premiums have become the biggest single expense
in our lives - surpassing even mortgage payments. In
fact, if you have any permanent health problems, such as
diabetes, or have had cancer at one time in your family
history, your monthly cost could easily be more than the
house and car payment combined.
Shopping for affordable health insurance can certainly
be an eye-opener. If you have always had a health
insurance benefit where you work - especially a state or
federal employee - and now have to buy your own, you may
not be able to afford the level of health insurance
coverage you have become used to.
Affordable health insurance, however, is definitely
available -if you know how and where to look.
When you are looking for affordable health insurance,
you want the lowest cost per year that will fit your
budget, of course. But, even more importantly, you want
a company that has a good record for paying without
fighting with you on every detail. Just as there is a
car for just about any budget, there is also affordable
health insurance. You may not be able to afford a
"Cadillac" policy - but then you probably don't need all
the frills anyway.
Shopping for health insurance on the internet is the
easiest and best way to find affordable health
insurance. Here are five reasons why.
1. You don't need a local agent to help you submit the
claims for health insurance. The medical provider does
it for you. You save money because the health insurance
company saves money by not paying the agent commission.
This could amount to an 8% to 12% savings to you.
2. All the top health insurance companies are at your
fingertips on the internet. Most local agents can only
quote you from the few companies that they represent.
They may not offer you what is best for you financially
or health-wise but only what they happen to have
available.
3. Health insurance companies have to be extremely
competitive because it is so quick and easy to compare
them with their competitors on the internet today. In
the past you would have had to visit physically eight to
ten agents to do a similar comparison. Most folks just
didn't have the time or desire for that.
4. You can change your coverage, deductibles, and
payment options with just a few clicks rather than going
through the paperwork delay with a local agent (and then
finding out he/she made a mistake - more delay).
5. Charging to a credit card means you aren't going to
forget a payment and be without insurance. Also, it
gives you another 30 days before you actually have to
pay. Also, many companies today give an additional
discount for "auto-pay".
The key, however, to finding affordable health insurance
is realizing that the purpose of any health insurance is
to protect you from a major financial loss - not to
protect you from spending small money on clinic visits
and sliver removal. These small expenses may be
cumbersome but they generally will not hurt you. It's
the $100,000 heart operation that will break you. That's
the financial disaster health insurance was originally
designed to prevent.
Also, keep this in mind. Health insurance, as with any
insurance, is a gamble. You are gambling that you will
draw out more than you pay in. Your health insurance
company is gambling they will pay out less. The odds are
in their favor for two reasons. They have all the facts
for millions of families to average out, so they know
the risk in advance. Also, they get to set the rules and
the prices. The higher you set your deductible, the more
risk you take. This is not a bad thing at all. You will
most likely be the winner in the long run.
Yes, finding affordable health insurance is much easier
than most people think.
Taking more of the risk with higher deductibles,
spending a little time on the internet comparing eight
to ten different companies, and deleting coverage that
you will not likely need (such as maternity for many
folks) will make it very possible to find your own
affordable health insurance.
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