It is a difficult experience to lose your job. There is the emotional side to deal with, as well as the uncertainty of what is next. Suddenly money is lacking, even if you are on unemployment. The other aspect that can be difficult for many families is the sudden lack of health insurance. Yes, there is the option of COBRA, which is where your former employer still has to offer your plan for a time. However, it isn't usually the wisest option in...more
Many people have questions and for the most part these health insurance questions revolve around the recent controversy about the government health care plan that is soon to be implemented in the U.S. For the most part there is a lack of understanding about this program and the following are just a few of the pressing questions that American's want answers to.1. WHEN WILL THE HEALTH PLAN TAKE EFFECT? Although Americans will begin paying for this...more
There are different components that need to be considered when you are shopping for affordable health insurance quotes. What you look for depends on age and who is in your family. If you are female, you might want maternity included in the plan, because if it isn't, your bills suddenly went up if pregnancy would occur. There are options for children of lower income families, as states offer free medical care for lose who meet certain qualifications. This can ease some of the burdens, but you still would need to find something for yourself. Some of it depends on whether your employer is paying for some of the costs. However, what if you are self-employed. Then you are in charge of finding the affordable health insurance quotes for your family, but also the people that work underneath you. Another thing to consider is what features do you want in your plan. Consider the deductible and co-payment, as this makes a huge difference in how much you would pay every month or every quarter. The more money you pay in every month, means the insurance company pays more when you have a baby, become ill or suffer from a severe injury. The higher the deductible the more you will have to pay up...more
There is a good chance you have found a number of affordable health insurance quotes when you created an online search. You submitted all of the necessary information and different companies have produced a variety of policies for you to choose from. However, how do you narrow down the search to find the right insurance plan for your family and...more
When it comes to choosing a health insurance plan you may be at a loss to determine the plan that is right for you. Many health insurance plans offer extras that make them a better value for consumers and although the premiums may cost a little more they may wind up costing you less in the long run.HEALTH SAVINGS ACCOUNT - This is an account that...more
At first glance it may seem that you are only comparing health insurance plans and not the companies themselves. A health insurance company is only as good as the promises they keep and no matter what they say about the plan that you are purchasing, it is important to remember that the value of a health insurance plan is only good if the health insurance pays your medical bills as they outlined in your insurance policy.If you are in the market for a private pay insurance policy and are shopping around for health insurance your very first step should be to shop around for a company to buy health insurance from. You will want to look at the company as a whole before looking at premiums and deductibles.Some of the criteria that you should look at when considering a health insurance company are the availability of different physicians, the overall financial stability of the company that you are going to be dealing with and of course the reputation of the physicians that your insurance company is dealing with.Customer service and satisfaction are also two big issues that will effect you as a consumer so be sure to check the insurance companies online reputation and their Better Business...more
If you are the parent of a senior who is getting ready to pursue a college career they have probably already decided on a school that has not only accepted them but one that will fulfill their higher education needs. While you may be flooded with...more
According to US Census Bureau, a third of the residents in Texas do not have access to health coverage. This is way above the national average where only 1 in 5 American are not medically insured. Unlike many other states, there is no one particular...more
Accessing cheap and affordable health insurance Florida is much easier than it may seem. There are many ways to cut down the premium and if a resident in Florida chooses carefully, he is sure to purchase a plan that is cheap and yet offers maximum...more
Many are afraid of what is coming down the pike in the area of health insurance coverage. While many are hopeful that a Nationalized Health Insurance plan will be the answer to their prayers many others fear that employer based health care options...more
Short term health insurance can help cover you at periods of time when you might otherwise not be covered by a health insurance plan. Mostly this will occur when you are between jobs or if you retire early. Some students run into this problem when...more
The health care costs that most people are experiencing these days are putting a heavy burden on the budget of Americans. The increasing cost of health insurance premiums as well as the higher cost of overall health care, treatments and well care are...more