One of the most serious problems facing the American people today is the health care crisis. A doesn’t go by when we don’t see on TV, hear on the radio or read in the newspaper how the cost of medical insurance is rising in our country. It is becoming a sad fact of life that less and less people in this country are covered my medical insurance.
Some people feel that they are healthy and don’t need coverage, but they are only fooling themselves. No one knows for sure that there is no medical emergency lurking just around the corner for you or a family member.
The cheapest way to have medical insurance is through your employer. Usually it is a larger group and the employer will pay a part of the premium or the whole premium. Being part of a large group is good because .things such as a pre-existing conditions will not make your rates very high or even prevent you from getting insurance. In the event you lose your job you can still be covered by COBRA a plan that the government mandates that your current insurance company must cover you for up to 24 months. You may have to pay the whole premium, but at least you will be covered.
If you do not have coverage through your employer you should check with any union or professional organization you may be a member of. Many of these type of groups offer reduced rate plans. Some colleges even have plans for the alumni of their school. You would be very surprised to find that many groups offer health care plans to their membership.
Using the internet can be a great tool for finding reasonable health coverage. But before you sign up for any plan make sure you do your homework. You want to get as many comparisons as you can to make sure you are getting the best rate. You want to know the deductible on your policy, the caps and any exclusions your policy may have.
Another way to find good prices for health insurance is check with local agents for large companies. Some will deal with one company while others may deal with many companies. They can tell you about the plan that will best fit your needs and finances. Some subscribers want a PPO while for some it may be cheaper to go with an HMO. Also an agent can advise in ways to lower your payments by perhaps having all your insurance through one company if possible. These companies sometimes offer multi rate discounts.
If you fall into a low income group you and your family may eligible for Medicaid. It is certainly worth looking into this and filling out the right paper work to qualify. Even if you are not eligible you may be surprised to find out that your children will covered. The government makes great efforts to cover children.
The main thing is for you to realize how very important it is for you and your family to have health insurance and how it can be affordable to you at a reasonable cost.
0 comments :
Post a Comment