How To Compare Health Insurance Plans And Get Affordable Health Insurance!
There are three practical ways of obtaining a good health insurance plan – you just have to compare the health insurance plans and get the most affordable health insurance for you.
Group Health Insurance
You can obtain an affordable group health insurance plan in a variety of ways. Most employers offer group health insurance plans as benefits to their employees; many of these types of group health insurance plans allow you to add your spouse and your children onto the health insurance policy.
Various organizations and associations offer group health insurance plans as benefits to their members. Some businesses, such as credit card companies, offer group health insurance plans as benefits to their customers.
Find out if your employer offers group health insurance. Or, if you belong to any clubs or are associated with a particular business, ask if they offer group health insurance plans.
Individual Health Insurance
Unfortunately, employers aren’t required to offer group health insurance plans to their employees. When this is the case, consider purchasing an individual health insurance plan. With the broad range of health insurance companies specializing in affordable individual plans, you will be able to find a plan that meets your health needs as well as satisfies your budget.
State-sponsored Health Insurance
If you aren’t employed, or your employer doesn’t offer group health insurance and you can’t afford to purchase health insurance otherwise, contact your state’s department of insurance for information about state-sponsored health insurance plans. Depending on your income, as well as any other factors your state considers, you and your family members may be eligible for very low-cost or free health insurance.
Elizabeth Newberry
http://www.articlesbase.com/finance-articles/how-to-compare-health-insurance-plans-and-get-affordable-health-insurance-108939.html
April 06 2009 09:40 am | Insurance Plans
May 19th, 2009 at 9:40 am
Can anybody advise what would be the affordable price for health insurance for someone on F-1 visa in U.S.?
I am an international student on F-1 visa currently attending a community college in Florida, U.S and plan to transfer to another college in few months. I am 26 years old with a weight of 135 pounds and height of 5 feet and 8 inches and don't have any pre-existing condition. The link I found http://serveglobe.com/usa/insurance/international-student-quotes-compare.asp gave some plans for a person like me and Study USA Plan B whose terms and conditions is at http://www.serveglobe.com/insurance/affiliate/nriol/brochure/study-usa-insurance.pdf is for 56 per month and for subsequent renewals additional 5$. I hardly ever go to the doctor, but was worried the plan described there mention they will cover only 80% of the first 5000.I am currently insured, but the new college I am moving to does not offer health insurance to international students like me, but requires one to purchase it before getting admitted. Does something less expensive than this plan/less co-pay/deductible exist?
AzBlue, Thanks for your reply. Blue Cross Shield of Florida from the link you gave me has a premium of 126 per month with a deductible of 500 per individual and "No deductible for in-network well care, but co-insurance for in-network services " It seems if I visit a in-network provider most likely I will be charged 20% of the cost?
mbrcatz17's: Thanks for your answer. I think the premium cost is 56 because for the first 5000, I have to pay 20%. Since you have worked for long in the industry have you ever heard of this company Study USA Plan B and does this http://www.serveglobe.com/insurance/affiliate/nriol/brochure/study-usa-insurance.pdf seem legitimate?
Can you please advise? Being new I don't know much. I was told there is also HTH Worldwide which is 86 for standard(100$ deductible and basic medical is covered only 80% till 10K) and 116 for preferred(100$ deductible and after basic medical of 5K, 80% till 245K). Can you please advise if both the companies are valid?Thanks a lot
May 19th, 2009 at 4:42 pm
Visit Blue Cross of Florida online, http://www.bcbsfl.com/
They will have the best coverage for the lowest cost most likely. You can apply online, or call them for more information.
References :
http://www.higginscompanies.com
May 19th, 2009 at 4:44 pm
Insurance isn't priced based on what you can afford, it's priced on the risk.
For someone who's 26, a low deductible plan is going to cost around $300 a month. That $56 a month you're quoting is insanely low – so low, I'd bet it's a scam.
References :
agent, 21+ years
May 19th, 2009 at 4:46 pm
You can contact my company by going to the following website. We have a very good product offered to students and K-1 Visa recipients. It is very affordable and is also major medical. Those two words are key when looking for medical insurance in the United States because in most states an insurance has to meet very high standard in order to call a health insurance product major medical. It is not my specialty but we have an agent that specializes in insurance for visitors to the United States. http://www.lvhealthins.com The agents name is Lee. If you send a quote request I am sure he will get it and respond promptly.
References :
http://www.lvhealthins.com