Health Insurance Success Stories w/ online insurance broker
Finding affordable health insurance was not an easy task by any means. Don’t get me wrong: there are a lot of companies that offer low-cost policies. So if you just need some kind of coverage, I’m sure you’ll be able to find it. What I wanted, though, was more than just a piece of paper saying that I was covered in the event of a catastrophic illness. I wanted affordable health insurance that provided coverage for everything from routine checkups to prescription medication to major surgery. This was much more difficult to come by.
Like tens of thousands of other people before me, I recently gathered up enough courage to permanently leave my day job in order to join the ranks of the self-employed. This was a major step for me because I’m the kind of person that values comfort and security. I liked knowing that I would get a paycheck every two weeks whether business for my employer had been bad or good during that period. I also liked the benefits that I got from working for someone else—not the least of which was great medical coverage. So prior to quitting my previous job, I had to try to find some affordable health insurance.
My search for affordable health insurance taught me many things. First of all, I learned to look past the initial quote. Now that I’m self-employed, it’s very tempting to base all of my decisions on money alone. But that’s definitely not the way to go when it comes to medical coverage, so instead of accepting or dismissing a particular policy based on the quote alone, I forced myself to compare policies according to what I would actually get out of them. Second, my search for affordable health insurance taught me that many times, companies that offer low monthly premiums require you to pay huge deductibles in the event of a hospital visit. Sure, I guess I could play the odds and hope that I nothing happened to me, but that would just give me something extra to worry about. Third, searching for affordable health insurance means reading the policy’s fine print. I wanted to know exactly what my policy covered and what it didn’t so that I wouldn’t get hit with hidden charges later on. Reading the fine print saved me from making a couple of mistakes on policies that initially looked good, but turned out to be bad deals.
The quest for affordable health insurance is the Holy Grail for self-employed people everywhere. You owe it to yourself and to your family to carry medical coverage at all times, so don’t give up on your search. Affordable health insurance is not a myth; it can be yours if you’re willing to put in the necessary time to find the best policy for your needs.
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Consumers describe how eHealthInsurance helped them find the right health plan for their needs and budgets. Personal finance expert Jean Chatzky also explains how eHealthInsurance helps consumers save money. eHealthInsurance has helped over a million Americans find affordable health insurance for their personal needs. Visit eHealthInsurance online at www.ehealthinsurance.com.
Help answer the question about affordable health insurance
What are some affordable Health Insurance Options in NYC for Latin American father and his child to be?My friend doesn't have health insurance and is planning on putting his new baby (born around Oct.) on his policy with him. He's Latin American and has his permanent residence card, but is not yet a citizen. Anyone know of any affordable plans for him to look into in the Manhattan area?
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Posted by American Car Insurance on August 21st, 2009 filed in health insurance | 9 Comments »
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9 Responses to “Health Insurance Success Stories w/ online insurance broker”
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August 21st, 2009 at 8:05 am
I beg to differ with Heather. The pre-existing clause in the portability act only refers to group policies. Individual policies will usually look back 5 – 10 years for surgeries and heart conditions. They can choose to decline you, rider the condtion for a period of time (1 year to permanent) or increase the premium, as you are finding out.
You can try increasing the deductible. A higher deductible can result in a much lower premium. Your only other options would be Medicaid or a medical discount plan. Be very wary of these plans. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn’t find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/west/2006/11/22/74554.htm for more information. Many other states are starting to ban these cards as well.
Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.
August 21st, 2009 at 8:21 am
You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did.
http://top-usa-health-insurance-comparator.blogspot.com/
Take care,
Tena
August 21st, 2009 at 4:23 pm
You can find the best affordable health insurance offers in your area in one site, is very easy to get quotes from different quotes from the best companies.
http://top-usa-health-insurance-comparator.blogspot.com/
August 22nd, 2009 at 1:03 pm
A lot will depend on where you live because different states have different programs for children.
As long as your son is under the age of 18 then most states and even some counties will have some form of program that you will be able to look into.
If you make too much money to qualify for a government program then your best bet is probably individual health insurance for your son. As long as he is relatively healthy then it should be no problem at all finding a cheap plan.
Be sure that you shop around and compare quotes from at least 3-5 different reputable companies. Enlist the help of an independent health insurance agent or broker so that they can help you comparison shop.Try this site
http://best-health-insurances-usa-quote.blogspot.com/
Here you can get quotes from different health insurance companies in your area, its the best way to find an affordable health insurance with a reliable company.
Best Wishes,
August 23rd, 2009 at 9:41 pm
An MSA is probably not going to help you with no steady income. I would recommend checking out various companies on a site like the one below. It will allow you to comparison shop. You will be rather surprised how much costs will vary. Try this site
http://best-health-insurances-usa-quote.blogspot.com/
Here you can get quotes from different health insurance companies in your area, its the best way to find an affordable health insurance with a reliable company.
Best Wishes,
August 24th, 2009 at 12:07 am
This site can help you to compare many health insurance companies at once http://top-usa-health-insurance-comparator.blogspot.com/
Hope this help,
August 24th, 2009 at 2:11 am
see this http://finance.ebookorama.com/ukusa-selected-resources.phpit's one form to get a number of quotes from different insurers. You can even bundle it with car insurance, good luck
August 24th, 2009 at 6:56 am
I have Anthem BC/BS and it is about $120 a month for me (single coverage, age 46). You will have to go through an underwriter first because of the BP but if it is controlled, hopefully it won't be a problem. You will find the cheapest polices have higher deductibles- mine is $5000.
A high-deductible policy also makes you eligible to open a health savings account.
Your best bet is to find employment with employer-sponsored health insurance, but you don't want to be without in the meantime. If you don't have job skills now maybe you could retrain in a health care field.
Try this site
http://best-health-insurances-usa-quote.blogspot.com/
Here you can get quotes from different health insurance companies in your area, its the best way to find an affordable health insurance with a reliable company.
August 24th, 2009 at 4:45 pm
Health care could be as easy as contacting your state assistance employees. For meds you should contact the companys who make that specific drug. They have discounted if not free for those who apply. Councelling services – call around and explain your situation they might discount your rate if not give free sessions. They have a percentage of cases they need to do for free.
Contact a lawyer due to being rejected disability. You need some legal help to force some issues.