How To Get Affordable Individual And Family Health Insurance
An affordable individual and family health insurance plan is an insurance plan provided only to individuals and their families, unlike the group insurance plans offered to employers or other organizations. Not everyone has the option of getting an employer-sponsored group health insurance plan, and not everyone belongs to an organization that offers group health insurance plans to their members. When this is the case for individuals with families, an affordable individual and family health insurance plan is ideal.
Affordable individual and family health insurance plans are often offered through an indemnity or managed care organization. With an indemnity, the policyholder – you – pays for all health care costs upfront. The individual and family health insurance plan will reimburse you once they receive a doctor or hospital bill. With a managed care plan, you usually only have to pay a co-payment at the time of your medical service. The doctor or hospital will then bill your individual and family health insurance company for the rest. Managed care organizations include Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs) and Point of Service (POS) plans, and they do not always provide the wide selection of doctors and other health care professionals offered by indemnity plans.
You may feel health insurance is too expensive for you, but there are affordable individual and family health insurance plans out there. Being without adequate health insurance is too risky – for your health and your bank account. Thanks to individual and family health insurance plans, it’s possible for you, your spouse, and your children to obtain affordable health insurance.
If you and your family are currently without affordable health insurance, act quickly. After you apply for an individual and family health insurance plan, the time between application and the date the plan actually starts varies. The speed of the process usually depends on the underwriting process of the insurance company, so it’s best to apply as soon as possible.
Elizabeth Newberry
http://www.articlesbase.com/finance-articles/how-to-get-affordable-individual-and-family-health-insurance-109012.html
November 12 2009 03:20 pm | Family Health Insurance
November 12th, 2009 at 3:20 pm
what is the best individual health insurance?
im looking for an affordable good health insurance, i currently have a family plan with my employer but its expensive are there any individual plans out there that are affordable what are they? thank you?
November 12th, 2009 at 10:22 pm
all them are different.
I think blue cruz
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November 12th, 2009 at 10:24 pm
There is something called the "golden rule" from United Health care and it’s not bad. Whatever you do not go on BCBS. They are scam artist. I have them and they don’t pay for anything even though I pay almost $400 a month.
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November 12th, 2009 at 10:26 pm
There is no one best individual health insurance; you’ll need to find the one that’s best for you.
Shopping for health insurance is like shopping for a new car. Both health insurance companies and automobile manufactures offer a variety of product, from the basic low end model all the way up to the model that’s fully loaded with all the options. If you don’t need all of those options you can lower your premium by getting the basic or intermediate level insurance. You just need to make sure you know what you’re getting. To be sure visit a local agent that works with all the major companies in your area. The agent can find the best plan for you after talking with you for a few minutes where it can take you days to research all of the options on your own. There is no extra charge using an agent.
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Independent Agent
November 12th, 2009 at 10:28 pm
If you have school age children, United Healthcare offers "kids only" health insurance plans that provide children’s coverage for sickness and accidents. Their plans are written through school districts and many private K12 schools throughout the US. Their health plan is designed to be affordable, at just $98 every 2 months. Check out http://www.k12studentinsurance.com to see if your child’s school district (or private school) is participating. Click on the "Plans & Pricing" tab, enter the district name or private school name and the state in the search box and review the plans. If you don’t find your child’s school district, call UnitedHealthcare StudentResources at 888-282-5957 to see about adding it.
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http://www.k12studentinsurance.com
November 12th, 2009 at 10:30 pm
Find an insurance broker that does business in your state. A good broker can show you every plan that’s available, help you with the application process, and help you down the road as well.
They cost nothing to use (as they’re paid by the insurance company) and since insurance is regulated they give you the carrier direct rates.
You can also look on my site for information, application tidbits, and in some cases and states you’ll find pricing info from different carriers.
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